0000927089-20-000104.txt : 20200210 0000927089-20-000104.hdr.sgml : 20200210 20200210172936 ACCESSION NUMBER: 0000927089-20-000104 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 136 CONFORMED PERIOD OF REPORT: 20191231 FILED AS OF DATE: 20200210 DATE AS OF CHANGE: 20200210 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SOUTHERN MISSOURI BANCORP, INC. CENTRAL INDEX KEY: 0000916907 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 431665523 STATE OF INCORPORATION: MO FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-23406 FILM NUMBER: 20593105 BUSINESS ADDRESS: STREET 1: 2991 OAK GROVE ROAD CITY: POPLAR BLUFF STATE: MO ZIP: 63901 BUSINESS PHONE: 573-778-1800 MAIL ADDRESS: STREET 1: 2991 OAK GROVE ROAD CITY: POPLAR BLUFF STATE: MO ZIP: 63901 FORMER COMPANY: FORMER CONFORMED NAME: SOUTHERN MISSOURI BANCORP INC DATE OF NAME CHANGE: 19940104 10-Q 1 smbc-20191231.htm QUARTERLY REPORT ON FORM 10Q FOR DECEMBER 31, 2019 SOUTHERN MISSOURI BANCORP, INC. - Form 10-Q SEC filing
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC  20549

 

FORM 10-Q

 

(Mark One)

X   QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 

 

For the quarterly period ended December 31, 2019

 

OR

 

___TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 

 

For the transition period from                to                

 

Commission file number   0-23406

 

SOUTHERN MISSOURI BANCORP, INC.

(Exact name of registrant as specified in its charter)

 

 

 

Missouri

 

43-1665523

(State or other jurisdiction of incorporation or organization)

 

(I.R.S. Employer Identification No.)

 

 

 

2991 Oak Grove Road, Poplar Bluff, Missouri

 

63901

(Address of principal executive offices)

 

(Zip Code)

 

(573) 778-1800

Registrant's telephone number, including area code

 

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common

SMBC

NASDAQ Global Market

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.      

Yes

X

No

 

 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data file required to be submitted pursuant to Rule 405 of regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

Yes

X

No

 

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See definition of “large accelerated filer,” “accelerated filer,” and “smaller reporting company” in Rule 12b-2 of the Exchange Act (check one):

 

Large accelerated filer

 

Accelerated Filer

X

Non-accelerated filer

 

Smaller reporting company

 

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to section 13(a) of the Exchange Act.  [      ] 

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12 b-2 of the Exchange Act)

Yes

 

No

X

 

Indicate the number of shares outstanding of each of the registrant’s classes of common stock, as of the latest practicable date:

Class

 

Outstanding at February 7, 2020

Common Stock, Par Value $0.01

 

9,210,789 Shares

SOUTHERN MISSOURI BANCORP, INC.

FORM 10-Q

 

INDEX

 

 

PART I.

Financial Information

PAGE NO.

 

 

 

Item 1.

Condensed Consolidated Financial Statements

 

 

 

 

 

-      Condensed Consolidated Balance Sheets

3

 

 

 

 

-      Condensed Consolidated Statements of Income  

4

 

 

 

 

-      Condensed Consolidated Statements of Comprehensive Income  

5

 

 

-      Condensed Consolidated Statements of Stockholders’ Equity  

 

 

6

 

-      Condensed Consolidated Statements of Cash Flows

7

 

 

 

 

-      Notes to Condensed Consolidated Financial Statements

9

 

 

 

Item 2.

Management’s Discussion and Analysis of Financial Condition and Results of

  Operations

34

 

 

 

Item 3.

Quantitative and Qualitative Disclosures about Market Risk

51

 

 

 

Item 4.

Controls and Procedures

53

 

 

 

PART II.

OTHER INFORMATION

54

 

 

 

Item 1.

Legal Proceedings

54

 

 

 

Item 1a.

Risk Factors

54

 

 

 

Item 2.

Unregistered Sales of Equity Securities and Use of Proceeds

54

 

 

 

Item 3.

Defaults upon Senior Securities

54

 

 

 

Item 4.

Mine Safety Disclosures

54

 

 

 

Item 5.

Other Information

54

 

 

 

Item 6.

Exhibits

55

 

 

 

 

-     Signature Page

57

 

 

 

 

-     Certifications

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

PART I: Item 1:  Condensed Consolidated Financial Statements

 

 

SOUTHERN MISSOURI BANCORP, INC.

CONDENSED CONSOLIDATED BALANCE SHEETS

DECEMBER 31, 2019 AND JUNE 30, 2019

 

(dollars in thousands)

December 31, 2019

June 30, 2019

 

(unaudited)

 

 

 

 

Assets

 

 

Cash and cash equivalents

$                            41,043

$                            35,400

Interest-bearing time deposits

                                    972

                                    969

Available for sale securities

                            175,843

                            165,535

Stock in FHLB of Des Moines

                                8,172

                                5,233

Stock in Federal Reserve Bank of St. Louis

                                4,350

                                4,350

Loans receivable, net of allowance for loan losses of
    $20,814 and $19,903 at December 31, 2019 and
    June 30, 2019, respectively

                        1,922,785

                        1,846,405

Accrued interest receivable

                              11,292

                              10,189

Premises and equipment, net

                              65,006

                              62,727

Bank owned life insurance – cash surrender value

                              38,847

                              38,337

Goodwill

                              14,089

                              14,089

Other intangible assets, net

                                8,334

                                9,239

Prepaid expenses and other assets

                              21,116

                              21,929

    Total assets

$                      2,311,849

$                      2,214,402

 

 

 

Liabilities and Stockholders' Equity

 

 

Deposits

$                      1,914,614

$                      1,893,695

Securities sold under agreements to repurchase

                                         -

                                4,376

Advances from FHLB of Des Moines

                            114,646

                              44,908

Note payable

                                3,000

                                3,000

Accounts payable and other liabilities

                              13,702

                              12,889

Accrued interest payable

                                1,925

                                2,099

Subordinated debt

                              15,093

                              15,043

    Total liabilities

                        2,062,980

                        1,976,010

 

 

 

Common stock, $0.01 par value; 25,000,000 shares authorized;
    9,328,184 and 9,324,659 shares issued, respectively,
    at December 31, 2019 and June 30, 2019

                                      93

                                      93

Additional paid-in capital

                              94,650

                              94,541

Retained earnings

                            156,459

                            143,677

Treasury stock of 121,401 and 35,351 shares at December 31, 2019
    and June 30, 2019, respectively, at cost

                              (3,980)

                              (1,166)

Accumulated other comprehensive income

                                1,647

                                1,247

    Total stockholders' equity

                            248,869

                            238,392

    Total liabilities and stockholders' equity

$                      2,311,849

$                      2,214,402

 

 

 

 

 

 

 

 

 

 

 

 

 

 

See Notes to Condensed Consolidated Financial Statements

-3-

SOUTHERN MISSOURI BANCORP, INC

CONDENSED CONSOLIDATED STATEMENTS OF INCOME

FOR THE THREE- AND SIX MONTH PERIODS ENDED DECEMBER 31, 2019 AND 2018 (Unaudited)

 

 

Three months ended

 

Six months ended

 

December 31,

 

December 31,

(dollars in thousands except per share data)

2019

2018

 

2019

2018

 

 

 

 

 

 

INTEREST INCOME:

 

 

 

 

 

     Loans

$             25,421

$             22,785

 

$             51,060

$             43,701

     Investment securities

                     503

                     738

 

                 1,023

                 1,255

     Mortgage-backed securities

                     691

                     649

 

                 1,408

                 1,232

     Other interest-earning assets

                       31

                       35

 

                       77

                       61

                  Total interest income

               26,646

               24,207

 

               53,568

               46,249

INTEREST EXPENSE:

 

 

 

 

 

     Deposits

                 6,448

                 4,925

 

               13,026

                 8,934

     Securities sold under agreements to repurchase

                          -

                          8

 

                        -   

                       16

     Advances from FHLB of Des Moines

                     573

                     932

 

                 1,095

                 1,531

     Note payable

                       34

                       48

 

                       71

                       83

     Subordinated debt

                     214

                     226

 

                     439

                     450

                  Total interest expense

                 7,269

                 6,139

 

               14,631

               11,014

NET INTEREST INCOME

               19,377

               18,068

 

               38,937

               35,235

PROVISION FOR LOAN LOSSES

                     388

                     314

 

                 1,284

                     995

NET INTEREST INCOME AFTER

   PROVISION FOR LOAN LOSSES

               18,989

               17,754

 

               37,653

               34,240

NONINTEREST INCOME:

 

 

 

 

 

    Deposit account charges and related fees

                 1,632

                 1,286

 

                 3,055

                 2,510

    Bank card interchange income

                 1,311

                 1,182

 

                 2,672

                 2,245

    Loan late charges

                     121

                     120

 

                     267

                     214

    Loan servicing fees

                     103

                     154

 

                     233

                     312

    Other loan fees

                     354

                     377

 

                     597

                     714

    Net realized gains on sale of loans

                     203

                     141

 

                     476

                     320

    Earnings on bank owned life insurance

                     253

                     594

 

                     507

                     840

    Other income

                     357

                     200

 

                     627

                     328

                  Total noninterest income

                 4,334

                 4,054

 

                 8,434

                 7,483

NONINTEREST EXPENSE:

 

 

 

 

 

    Compensation and benefits

                 6,993

                 6,445

 

               14,118

               12,492

    Occupancy and equipment, net

                 2,967

                 2,671

 

                 5,856

                 5,141

    Deposit insurance premiums

                          -

                     145

 

                        -   

                     283

    Legal and professional fees

                     239

                     254

 

                     422

                     510

    Advertising

                     283

                     278

 

                     593

                     593

    Postage and office supplies

                     178

                     193

 

                     361

                     345

    Intangible amortization

                     441

                     374

 

                     882

                     770

    Bank card network expense

                     680

                     496

 

                 1,298

                     991

    Other operating expense

                 1,904

                 1,696

 

                 3,116

                 2,875

                  Total noninterest expense

               13,685

               12,552

 

               26,646

               24,000

INCOME BEFORE INCOME TAXES

                 9,638

                 9,256

 

               19,441

               17,723

INCOME TAXES

                 1,921

                 1,802

 

                 3,896

                 3,469

NET INCOME

$               7,717

$               7,454

 

$             15,545

$             14,254

 

 

 

 

 

 

Basic earnings per common share

$                 0.84

$                 0.82

 

$                 1.69

$                 1.57

Diluted earnings per common share

$                 0.84

$                 0.81

 

$                 1.68

$                 1.57

Dividends per common share

$                 0.15

$                 0.13

 

$                 0.30

$                 0.26

 

 

 

 

 

 

 

See Notes to Condensed Consolidated Financial Statements

-4-

SOUTHERN MISSOURI BANCORP, INC

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

FOR THE THREE- AND SIX- MONTH PERIODS ENDED DECEMBER 31, 2019 AND 2018 (Unaudited)

 

 

 

Three months ended

 

Six months ended

 

December 31,

 

December 31,

(dollars in thousands)

2019

2018

 

2019

2018

 

 

 

 

 

 

Net income

$               7,717

$               7,454

 

$             15,545

$             14,254

     Other comprehensive income:

 

 

 

 

 

           Unrealized gains on securities available-for-sale

                     247

                 1,144

 

                     513

                     766

           Tax expense

                     (54)

                   (320)

 

                   (113)

                   (229)

     Total other comprehensive income

                     193

                     824

 

                     400

                     537

Comprehensive income

$               7,910

$               8,278

 

$             15,945

$             14,791

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

See Notes to Condensed Consolidated Financial Statements

-5-

SOUTHERN MISSOURI BANCORP, INC

CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY

FOR THE THREE- AND SIX- MONTH PERIODS ENDED DECEMBER 31, 2019 AND 2018 (Unaudited)

 

 

For the three- and six- month periods ended December 31, 2019

 

 

Additional

 

 

Accumulated Other

Total

 

Common

Paid-In   

Retained

Treasury

Comprehensive

Stockholders'

(dollars in thousands)

Stock

Capital

Earnings

Stock

Income

Equity

 

 

 

 

 

 

 

BALANCE AS OF SEPTEMBER 30, 2019

$                93

$          94,572

$       150,123

$      (3,980)

$            1,454

$      242,262

 

 

 

 

 

 

 

Net Income  

-

-

              7,717

-

-

             7,717

Change in unrealized gain on available

   for sale securities

-

-

-

-

                  193

                 193

Dividends paid on common stock

-

-

            (1,381)

-

-

           (1,381)

   ($.15 per share)

 

 

 

 

 

 

Stock option expense

-

                    14

-

-

-

                   14

Stock grant expense

-

                    32

-

-

-

                   32

Exercise of stock options

-

                    32

-

-

-

                   32

BALANCE AS OF DECEMBER 31, 2019

$                93

$          94,650

$       156,459

$      (3,980)

$            1,647

$      248,869

 

 

 

 

 

 

 

BALANCE AS OF JUNE 30 , 2019

$                93

$          94,541

$       143,677

$      (1,166)

$            1,247

$      238,392

 

 

 

 

 

 

 

Net Income  

-

-

            15,545

-

-

           15,545

Change in unrealized gain on available

   for sale securities

-

-

-

-

                  400

                 400

Dividends paid on common stock

-

-

            (2,763)

-

-

           (2,763)

   ($.30 per share)

 

 

 

 

 

 

Stock option expense

-

                    31

-

-

-

                   31

Stock grant expense

-

                    46

-

-

-

                   46

Exercise of stock options

-

                    32

-

-

-

                   32

Treasury stock purchased

-

-

-

        (2,814)

-

           (2,814)

BALANCE AS OF DECEMBER 31, 2019

$                93

$          94,650

$       156,459

$      (3,980)

$            1,647

$      248,869

 

 

For the three- and six- month periods ended December 31, 2018

 

 

Additional

 

 

Accumulated Other

Total

 

Common

Paid-In   

Retained

Treasury

Comprehensive

Stockholders'

(dollars in thousands)

Stock

Capital

Earnings

Stock

Income (Loss)

Equity

 

 

 

 

 

 

 

BALANCE AS OF SEPTEMBER 30, 2018

$                90

$          83,437

$       125,167

$           -   

$          (2,632)

$      206,062

 

 

 

 

 

 

 

Net Income  

-

-

              7,454

-

-

             7,454

Change in unrealized loss on available

   for sale securities

-

-

                    -   

-

                  824

                 824

Dividends paid on common stock

-

-

            (1,170)

-

-

           (1,170)

   ($.13 per share)

 

 

 

 

 

 

Stock option expense

-

                       9

-

-

-

                      9

Stock grant expense

-

                    93

-

-

-

                   93

Common stock issued

                     3

            10,754

-

-

-

           10,757

BALANCE AS OF DECEMBER 31, 2018

$                93

$          94,293

$       131,451

$              -   

$          (1,808)

$      224,029

 

 

 

 

 

 

 

 

 

 

 

 

 

 

BALANCE AS OF JUNE 30, 2018

$                90

$          83,413

$       119,536

$           -   

$          (2,345)

$      200,694

 

 

 

 

 

 

 

Net Income  

-

-

            14,254

-

-

           14,254

Change in unrealized loss on available

   for sale securities

-

-

                    -   

-

                  537

                 537

Dividends paid on common stock

-

-

            (2,339)

-

-

           (2,339)

   ($.26 per share)

 

 

 

 

 

 

Stock option expense

-

                    18

-

-

-

                   18

Stock grant expense

-

                  108

-

-

-

                 108

Common stock issued

                     3

            10,754

-

                -   

-

           10,757

BALANCE AS OF DECEMBER 31, 2018

$                93

$          94,293

$       131,451

$              -   

$          (1,808)

$      224,029

 

 

 

See Notes to Condensed Consolidated Financial Statements

-6-

SOUTHERN MISSOURI BANCORP, INC.

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

FOR THE SIX-MONTH PERIODS ENDED DECEMBER 31, 2019 AND 2018 (Unaudited)

 

 

Six months ended

 

December 31,

(dollars in thousands)

2019

2018

 

 

 

Cash Flows From Operating Activities:

 

 

Net Income

$             15,545

$             14,254

   Items not requiring (providing) cash:

 

 

     Depreciation

                 1,870

                 1,614

     Loss on disposal of fixed assets

                     331

                          8

     Stock option and stock grant expense

                     109

                     126

     (Loss) gain on sale/write-down of REO

                     (47)

                     132

     Amortization of intangible assets

                     882

                     770

     Amortization of purchase accounting adjustments

                   (919)

               (1,629)

     Increase in cash surrender value of bank owned life insurance (BOLI)

                   (507)

                   (840)

     Provision for loan losses

                 1,284

                     995

     Net amortization of premiums and discounts on securities

                     594

                     452

     Originations of loans held for sale

             (17,504)

             (14,689)

     Proceeds from sales of loans held for sale

               17,696

               14,934

     Gain on sales of loans held for sale

                   (476)

                   (320)

   Changes in:

 

 

     Accrued interest receivable

               (1,103)

               (1,071)

     Prepaid expenses and other assets

                   (781)

                 2,540

     Accounts payable and other liabilities

                     853

                   (512)

     Deferred income taxes

                       13

                   (188)

     Accrued interest payable

                   (174)

                     364

           Net cash provided by operating activities

               17,666

               16,940

 

 

 

Cash flows from investing activities:

 

 

     Net increase in loans

             (77,289)

             (94,716)

     Net change in interest-bearing deposits

                       (2)

                     242

     Proceeds from maturities of available for sale securities

               21,740

               13,650

     Net purchases of Federal Home Loan Bank stock

                        -   

               (2,617)

     Net purchases of Federal Reserve Bank of St. Louis stock

               (2,939)

                        -   

     Purchases of available-for-sale securities

             (32,130)

             (10,017)

     Purchases of premises and equipment

               (2,647)

               (5,381)

     Net cash paid for acquisition

                        -   

               (8,377)

     Investments in state & federal tax credits

                   (599)

                   (231)

     Proceeds from sale of fixed assets

                     155

                        -   

     Proceeds from sale of foreclosed assets

                     999

                 1,753

     Proceeds from BOLI claim

                        -   

                     544

           Net cash used in investing activities

             (92,712)

          (105,150)

 

 

 

Cash flows from financing activities:

 

 

     Net increase (decrease) in demand deposits and savings accounts

               37,571

             (63,690)

     Net (decrease) increase in certificates of deposits

             (16,605)

             109,146

     Net (decrease) increase in securities sold under agreements to repurchase

               (4,376)

                 1,158

     Proceeds from Federal Home Loan Bank advances

             313,850

             327,500

     Repayments of Federal Home Loan Bank advances

          (244,174)

          (267,107)

     Proceeds from issuance of long term debt

                        -   

               (4,400)

     Purchase of treasury stock

               (2,814)

                        -   

     Dividends paid on common stock

               (2,763)

               (2,339)

           Net cash provided by financing activities

               80,689

             100,268

 

 

 

Increase in cash and cash equivalents

                 5,643

               12,058

Cash and cash equivalents at beginning of period

               35,400

               26,326

Cash and cash equivalents at end of period

$             41,043

$             38,384

 

 

 

See Notes to Condensed Consolidated Financial Statements

-7-

SOUTHERN MISSOURI BANCORP, INC.

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

FOR THE SIX-MONTH PERIODS ENDED DECEMBER 31, 2019 AND 2018 (Unaudited)

 

 

 

Six months ended

 

December 31,

(dollars in thousands)

2019

2018

 

 

 

Supplemental disclosures of cash flow information:

 

 

Noncash investing and financing activities:

 

 

Conversion of loans to foreclosed real estate

$                   365

$               1,623

Conversion of loans to repossessed assets

                       59

                       20

Right of use assets obtained in exchange for lease obligations: Operating Leases

                 1,996

                        -   

 

 

 

The Company purchased all of the capital stock of Gideon for $22,028 on November 21, 2018.

 

 

    In conjunction with the acquisitions, liabilities were assumed as follows:

 

 

         Fair value of assets acquired

                        -   

             216,772

         Less:  common stock issued

                        -   

               10,757

         Cash paid for the capital stock

                        -   

               11,271

    Liabilities assumed

                        -   

             194,744

 

 

 

Cash paid during the period for:

 

 

Interest (net of interest credited)

$               2,223

$               2,539

Income taxes

                     711

                     795

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

See Notes to Condensed Consolidated Financial Statements

-8-

SOUTHERN MISSOURI BANCORP, INC.

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)

 

Note 1:  Basis of Presentation

 

The accompanying unaudited interim consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Securities and Exchange Commission (SEC) Regulation S-X. Accordingly, they do not include all of the information and footnotes required by accounting principles generally accepted in the United States of America for complete financial statements. In the opinion of management, all material adjustments (consisting only of normal recurring accruals) considered necessary for a fair presentation have been included. The consolidated balance sheet of the Company as of June 30, 2019, has been derived from the audited consolidated balance sheet of the Company as of that date. Operating results for the three- and six- month periods ended December 31, 2019, are not necessarily indicative of the results that may be expected for the entire fiscal year. For additional information, refer to the audited consolidated financial statements included in the Company’s June 30, 2019, Form 10-K, which was filed with the SEC.

 

The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, Southern Bank. All significant intercompany accounts and transactions have been eliminated in consolidation.

 

Note 2:  Organization and Summary of Significant Accounting Policies

 

Organization. Southern Missouri Bancorp, Inc., a Missouri corporation (the Company) was organized in 1994 and is the parent company of Southern Bank (the Bank). Substantially all of the Company’s consolidated revenues are derived from the operations of the Bank, and the Bank represents substantially all of the Company’s consolidated assets and liabilities.  SB Real Estate Investments, LLC is a wholly-owned subsidiary of the Bank formed to hold Southern Bank Real Estate Investments, LLC.  Southern Bank Real Estate Investments, LLC is a real estate investment trust (REIT) which is controlled by the investment subsidiary, and has other preferred shareholders in order to meet the requirements to be a REIT.  At December 31, 2019, assets of the REIT were approximately $751 million, and consisted primarily of loan participations acquired from the Bank.

 

The Bank is primarily engaged in providing a full range of banking and financial services to individuals and corporate customers in its market areas. The Bank and Company are subject to competition from other financial institutions. The Bank and Company are subject to the regulation of certain federal and state agencies and undergo periodic examinations by those regulatory authorities.

 

Basis of Financial Statement Presentation. The consolidated financial statements of the Company have been prepared in conformity with accounting principles generally accepted in the United States of America and general practices within the banking industry. In the normal course of business, the Company encounters two significant types of risk: economic and regulatory. Economic risk is comprised of interest rate risk, credit risk, and market risk. The Company is subject to interest rate risk to the degree that its interest-bearing liabilities reprice on a different basis than its interest-earning assets. Credit risk is the risk of default on the Company’s investment or loan portfolios resulting from the borrowers’ inability or unwillingness to make contractually required payments. Market risk reflects changes in the value of the investment portfolio, collateral underlying loans receivable, and the value of the Company’s investments in real estate.

 

Principles of Consolidation. The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank. All significant intercompany accounts and transactions have been eliminated.

 

 

Use of Estimates. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

 

-9-

Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and estimated fair values of purchased loans.

 

 

Cash and Cash Equivalents. For purposes of reporting cash flows, cash and cash equivalents includes cash, due from depository institutions and interest-bearing deposits in other depository institutions with original maturities of three months or less. Interest-bearing deposits in other depository institutions were $5.3 million and $6.9 million at December 31 and June 30, 2019, respectively. The deposits are held in various commercial banks in amounts not exceeding the FDIC’s deposit insurance limits, as well as at the Federal Reserve and the Federal Home Loan Bank of Des Moines and Chicago.

 

 

Interest-bearing Time Deposits. Interest bearing deposits in banks mature within seven years and are carried at cost.

 

Available for Sale Securities. Available for sale securities, which include any security for which the Company has no immediate plan to sell but which may be sold in the future, are carried at fair value. Unrealized gains and losses, net of tax, are reported in accumulated other comprehensive income, a component of stockholders’ equity. All securities have been classified as available for sale.

 

Premiums and discounts on debt securities are amortized or accreted as adjustments to income over the estimated life of the security using the level yield method. Realized gains or losses on the sale of securities is based on the specific identification method. The fair value of securities is based on quoted market prices or dealer quotes. If a quoted market price is not available, fair value is estimated using quoted market prices for similar securities.

 

The Company does not invest in collateralized mortgage obligations that are considered high risk.

 

When the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. As a result of this guidance, the Company’s consolidated balance sheet as of the dates presented reflects the full impairment (that is, the difference between the security’s amortized cost basis and fair value) on debt securities that the Company intends to sell or would more likely than not be required to sell before the expected recovery of the amortized cost basis. For available-for-sale debt securities that management has no intent to sell and believes that it more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income. The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow projections.

 

 

Federal Home Loan Bank and Federal Reserve Bank Stock. The Bank is a member of the Federal Home Loan Bank (FHLB) system, and the Federal Reserve Bank of St. Louis. Capital stock of the FHLB and the Federal Reserve is a required investment based upon a predetermined formula and is carried at cost.

 

 

Loans. Loans are generally stated at unpaid principal balances, less the allowance for loan losses, any net deferred loan origination fees, and unamortized premiums or discounts on purchased loans.

-10-

 

Interest on loans is accrued based upon the principal amount outstanding. The accrual of interest on loans is discontinued when, in management’s judgment, the collectability of interest or principal in the normal course of business is doubtful. The Company complies with regulatory guidance which indicates that loans should be placed in nonaccrual status when 90 days past due, unless the loan is both well-secured and in the process of collection. A loan that is “in the process of collection” may be subject to legal action or, in appropriate circumstances, through other collection efforts reasonably expected to result in repayment or restoration to current status in the near future. A loan is considered delinquent when a payment has not been made by the contractual due date. Interest income previously accrued but not collected at the date a loan is placed on nonaccrual status is reversed against interest income. Cash receipts on a nonaccrual loan are applied to principal and interest in accordance with its contractual terms unless full payment of principal is not expected, in which case cash receipts, whether designated as principal or interest, are applied as a reduction of the carrying value of the loan. A nonaccrual loan is generally returned to accrual status when principal and interest payments are current, full collectability of principal and interest is reasonably assured, and a consistent record of performance has been demonstrated.

 

The allowance for losses on loans represents management’s best estimate of losses probable in the existing loan portfolio. The allowance for losses on loans is increased by the provision for losses on loans charged to expense and reduced by loans charged off, net of recoveries. Loans are charged off in the period deemed uncollectible, based on management’s analysis of expected cash flows (for non-collateral dependent loans) or collateral value (for collateral-dependent loans). Subsequent recoveries of loans previously charged off, if any, are credited to the allowance when received. The provision for losses on loans is determined based on management’s assessment of several factors: reviews and evaluations of specific loans, changes in the nature and volume of the loan portfolio, current economic conditions and the related impact on specific borrowers and industry groups, historical loan loss experience, the level of classified and nonperforming loans and the results of regulatory examinations.

 

Loans are considered impaired if, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Depending on a particular loan’s circumstances, we measure impairment of a loan based upon either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s observable market price, or the fair value of the collateral less estimated costs to sell if the loan is collateral dependent. Valuation allowances are established for collateral-dependent impaired loans for the difference between the loan amount and fair value of collateral less estimated selling costs. For impaired loans that are not collateral dependent, a valuation allowance is established for the difference between the loan amount and the present value of expected future cash flows discounted at the historical effective interest rate or the observable market price of the loan. Impairment losses are recognized through an increase in the required allowance for loan losses. Cash receipts on loans deemed impaired are recorded based on the loan’s separate status as a nonaccrual loan or an accrual status loan.

 

Some loans are accounted for in accordance with ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality. For these loans (“purchased credit impaired loans”), the Company recorded a fair value discount and began carrying them at book value less their face amount (see Note 4). For these loans, we determined the contractual amount and timing of undiscounted principal and interest payments (the “undiscounted contractual cash flows”), and estimated the amount and timing of undiscounted expected principal and interest payments, including expected prepayments (the “undiscounted expected cash flows”). Under acquired impaired loan accounting, the difference between the undiscounted contractual cash flows and the undiscounted expected cash flows is the nonaccretable difference. The nonaccretable difference is an estimate of the loss exposure of principal and interest related to the purchased credit impaired loans, and the amount is subject to change over time based on the performance of the loans. The carrying value of purchased credit impaired loans is initially determined as the discounted expected cash flows. The excess of expected cash flows at acquisition over the initial fair value of the purchased credit impaired loans is referred to as the “accretable yield” and is recorded as interest income over the estimated life of the acquired loans using the level-yield method, if the timing and amount of the future cash flows is reasonably estimable. The carrying value of purchased credit impaired loans is reduced by payments received, both principal and interest, and increased by the portion of the accretable yield recognized as interest income. Subsequent to acquisition, the Company evaluates the purchased credit impaired loans on a quarterly basis. Increases in expected cash flows compared to those previously estimated increase the accretable yield and are

-11-

recognized as interest income prospectively. Decreases in expected cash flows compared to those previously estimated decrease the accretable yield and may result in the establishment of an allowance for loan losses and a provision for loan losses. Purchased credit impaired loans are generally considered accruing and performing loans, as the loans accrete interest income over the estimated life of the loan when expected cash flows are reasonably estimable. Accordingly, purchased credit impaired loans that are contractually past due are still considered to be accruing and performing as long as there is an expectation that the estimated cash flows will be received. If the timing and amount of cash flows is not reasonably estimable, the loans may be classified as nonaccrual loans.

 

Loan fees and certain direct loan origination costs are deferred, and the net fee or cost is recognized as an adjustment to interest income using the interest method over the contractual life of the loans.

 

 

Foreclosed Real Estate. Real estate acquired by foreclosure or by deed in lieu of foreclosure is initially recorded at fair value less estimated selling costs, establishing a new cost basis.  Costs for development and improvement of the property are capitalized.

 

Valuations are periodically performed by management, and an allowance for losses is established by a charge to operations if the carrying value of a property exceeds its estimated fair value, less estimated selling costs.

 

Loans to facilitate the sale of real estate acquired in foreclosure are discounted if made at less than market rates. Discounts are amortized over the fixed interest period of each loan using the interest method.

 

 

Premises and Equipment. Premises and equipment are stated at cost less accumulated depreciation and include expenditures for major betterments and renewals. Maintenance, repairs, and minor renewals are expensed as incurred. When property is retired or sold, the retired asset and related accumulated depreciation are removed from the accounts and the resulting gain or loss taken into income. The Company reviews property and equipment for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. If such assets are considered to be impaired, the impairment loss recognized is measured by the amount by which the carrying amount exceeds the fair value of the assets.

 

Depreciation is computed by use of straight-line and accelerated methods over the estimated useful lives of the assets. Estimated lives are generally seven to forty years for premises, three to seven years for equipment, and three years for software.

 

 

Bank Owned Life Insurance. Bank owned life insurance policies are reflected in the consolidated balance sheets at the estimated cash surrender value.  Changes in the cash surrender value of these policies, as well as a portion of the insurance proceeds received, are recorded in noninterest income in the consolidated statements of income.

 

Goodwill. The Company’s goodwill is evaluated annually for impairment or more frequently if impairment indicators are present.  A qualitative assessment is performed to determine whether the existence of events or circumstances leads to a determination that it is more likely than not the fair value is less than the carrying amount, including goodwill.  If, based on the evaluation, it is determined to be more likely than not that the fair value is less than the carrying value, then goodwill is tested further for impairment.  If the implied fair value of goodwill is lower than its carrying amount, a goodwill impairment is indicated and goodwill is written down to its implied fair value.  Subsequent increases in goodwill value are not recognized in the financial statements.  As of June 30, 2019, there was no impairment indicated, and the Company believes there continues to be no impairment of goodwill at December 31, 2019.

 

 

Other Intangible Assets.  The Company’s other intangible assets at December 31, 2019 included gross core deposit intangibles of $14.7 million with $7.8 million accumulated amortization and mortgage servicing rights of $1.4 million. At June 30, 2019, the Company’s intangible assets included gross core deposit intangibles of $14.7 million with $6.9 million accumulated amortization and mortgage servicing rights of $1.5 million. The Company’s core deposit intangible assets are being amortized using the straight line method, over periods ranging from five to seven years, with amortization expense expected to be approximately $882,000 in the remainder of fiscal 2020, $1.3 million in fiscal 2021 through fiscal 2024, and $1.0 million in total thereafter. As of June 30, 2019, there was no impairment indicated, and the Company believes there continues to be no impairment of other intangible assets at December 31, 2019.

 

-12-

 

Income Taxes. The Company accounts for income taxes in accordance with income tax accounting guidance (ASC 740, Income Taxes). The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur.

 

Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized.

 

The Company recognizes interest and penalties on income taxes as a component of income tax expense.

 

The Company files consolidated income tax returns with its subsidiaries.

 

 

Incentive Plan. The Company accounts for its Management and Recognition Plan (MRP) and Equity Incentive Plan (EIP) in accordance with ASC 718, “Share-Based Payment.” Compensation expense is based on the market price of the Company’s stock on the date the shares are granted and is recorded over the vesting period. The difference between the grant date fair value and the fair value on the date the shares are considered earned represents a tax benefit to the Company that is recorded as an adjustment to income tax expense.

 

 

Outside Directors’ Retirement.   The Bank adopted a directors’ retirement plan in April 1994 for outside directors. The directors’ retirement plan provides that each non-employee director (participant) shall receive, upon termination of service on the Board on or after age 60, other than termination for cause, a benefit in equal annual installments over a five year period. The benefit will be based upon the product of the participant’s vesting percentage and the total Board fees paid to the participant during the calendar year preceding termination of service on the Board. The vesting percentage shall be determined based upon the participant’s years of service on the Board.

 

In the event that the participant dies before collecting any or all of the benefits, the Bank shall pay the participant’s beneficiary. No benefits shall be payable to anyone other than the beneficiary, and benefits shall terminate on the death of the beneficiary.

 

 

Stock Options. Compensation cost is measured based on the grant-date fair value of the equity instruments issued, and recognized over the vesting period during which an employee provides service in exchange for the award.

 

 

Earnings Per Share. Basic earnings per share available to common stockholders is computed using the weighted-average number of common shares outstanding. Diluted earnings per share available to common stockholders includes the effect of all weighted-average dilutive potential common shares (stock options) outstanding during each period.

 

 

Comprehensive Income. Comprehensive income consists of net income and other comprehensive income (loss), net of applicable income taxes. Other comprehensive income includes unrealized appreciation on available-for-sale securities, unrealized appreciation (depreciation) on available-for-sale securities for which a portion of an other-than-temporary impairment has been recognized in income, and changes in the funded status of defined benefit pension plans.

 

 

-13-

Transfers Between Fair Value Hierarchy Levels.  Transfers in and out of Level 1 (quoted market prices), Level 2 (other significant observable inputs) and Level 3 (significant unobservable inputs) are recognized on the period ending date.

 

 

The following paragraphs summarize the impact of new accounting pronouncements:

 

In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820) - Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. ASU 2018-13 modifies the disclosure requirements on fair value measurements in Topic 820. The amendments in this update remove disclosures that no longer are considered cost beneficial, modify/clarify the specific requirements of certain disclosures, and add disclosure requirements identified as relevant. ASU 2018-13 is effective for fiscal years beginning after December 15, 2019, with early adoption permitted for certain removed and modified disclosures, and is not expected to have a significant impact on our financial statements.

 

In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326).  The Update amends guidance on reporting credit losses for assets held at amortized cost basis and available for sale debt securities. For assets held at amortized cost basis, Topic 326 eliminates the probable initial recognition threshold in current GAAP and, instead, requires an entity to reflect its current estimate of all expected credit losses. The Update affects loans, debt securities, trade receivables, net investments in leases, off balance sheet credit exposures, and any other financial assets not excluded from the scope that have the contractual right to receive cash.  For public companies, the ASU is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years.  Early adoption is available beginning after December 15, 2018, including interim periods within those fiscal years. Adoption will be applied on a modified retrospective basis, through a cumulative-effect adjustment to retained earnings. The Company formed a working group of key personnel responsible for the allowance for loan losses estimate and initiated its evaluation of the data and systems requirements of adoption of the Update.  The group determined that purchasing third party software would be the most effective method to comply with the requirements, evaluated several outside vendors, and made a vendor recommendation that was approved by the Board.  Model validation and data testing using existing ALLL methodology have been completed. Parallel testing of the new methodology compared to the current methodology will be performed throughout fiscal year 2020 and the Company continues to evaluate the impact of adopting the new guidance.  We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, which for the Company will be the three-month period ending September 30, 2020, but cannot yet determine the overall impact of the new guidance on the Company’s consolidated financial statements, or the exact amount of any such one-time adjustment.    

 

In February 2016, the FASB issued ASU 2016-02, “Leases,” to revise the accounting related to lease accounting.  Under the new guidance, a lessee is required to record a right-of-use (ROU) asset and a lease liability on the balance sheet for all leases with terms longer than 12 months.   The Update was effective for the Company July 1, 2019.   Adoption of the standard allows the use of a modified retrospective transition approach for all periods presented at the time of adoption.  Based on the Company’s leases outstanding at December 31, 2019, which included five leased properties and numerous office equipment leases, the adoption of the new standard did not have a material impact on our consolidated statements of financial condition or our consolidated statements of income, although an increase to assets and liabilities occurred at the time of adoption.  In the first quarter of 2020, the Company recognized a ROU asset and corresponding lease liability for all leases of approximately $2.0 million based on the lease portfolio at that time.  The Company’s new leases, lease terminations, and lease modifications and renewals will impact the amount of ROU asset and corresponding lease liability recognized.  The Company’s leases are all currently “operating leases” as defined in the Update; therefore, no material change in the income statement presentation of lease expense is anticipated.

 

-14-

Note 3:  Securities

 

The amortized cost, gross unrealized gains, gross unrealized losses, and approximate fair value of securities available for sale consisted of the following:

 

 

December 31, 2019

 

 

 

 

 

Gross

 

 

Gross

 

 

Estimated

 

 

Amortized

 

 

Unrealized

 

 

Unrealized

 

 

Fair

(dollars in thousands)

 

Cost

 

 

Gains

 

 

Losses

 

 

Value

 

 

 

 

 

 

 

 

 

 

 

 

Investment and mortgage backed securities:

 

 

 

 

 

 

 

 

 

 

 

 U.S. government-sponsored enterprises (GSEs)

$

3,291

 

$

5

 

$

(1)

 

$

3,295

 State and political subdivisions

 

41,445

 

 

811

 

 

(18)

 

 

42,238

 Other securities

 

5,172

 

 

78

 

 

(227)

 

 

5,023

 Mortgage-backed GSE residential

 

123,769

 

 

1,724

 

 

(206)

 

 

125,287

    Total investments and mortgage-backed securities

$

173,677

 

$

2,618

 

$

(452)

 

$

175,843

 

 

June 30, 2019

 

 

 

 

 

Gross

 

 

Gross

 

 

Estimated

 

 

Amortized

 

 

Unrealized

 

 

Unrealized

 

 

Fair

(dollars in thousands)

 

Cost

 

 

Gains

 

 

Losses

 

 

Value

 

 

 

 

 

 

 

 

 

 

 

 

Investment and mortgage backed securities:

 

 

 

 

 

 

 

 

 

 

 

 U.S. government-sponsored enterprises (GSEs)

$

7,284

 

$

1

 

$

(15)

 

$

7,270

 State and political subdivisions

 

42,123

 

 

728

 

 

(68)

 

 

42,783

 Other securities

 

5,176

 

 

75

 

 

(198)

 

 

5,053

 Mortgage-backed GSE residential

 

109,297

 

 

1,449

 

 

(317)

 

 

110,429

    Total investments and mortgage-backed securities

$

163,880

 

$

2,253

 

$

(598)

 

$

165,535

 

The amortized cost and estimated fair value of investment and mortgage-backed securities, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.

 

 

December 31, 2019

 

Amortized

Estimated

(dollars in thousands)

Cost

Fair Value

  Within one year

$                     4,801

$                     4,805

  After one year but less than five years

                        8,495

                        8,569

  After five years but less than ten years

                     17,376

                     17,663

  After ten years

                     19,236

                     19,519

     Total investment securities

                     49,908

                     50,556

  Mortgage-backed securities

                   123,769

                   125,287

    Total investments and mortgage-backed securities

$                 173,677

$                 175,843

 

-15-

The carrying value of investment and mortgage-backed securities pledged as collateral to secure public deposits and securities sold under agreements to repurchase amounted to $123.8 million at December 31, 2019 and $143.7 million at June 30, 2019.  The securities pledged consist of marketable securities, including $1.6 million and $5.6 million of U.S. Government and Federal Agency Obligations, $36.5 million and $47.3 million of Mortgage-Backed Securities, $51.8 million and $55.7 million of Collateralized Mortgage Obligations, $33.8 million and $34.9 million of State and Political Subdivisions Obligations, and $200,000 and $300,000 of Other Securities at December 31 and June 30, 2019, respectively.

 

The following tables reflect the Company’s investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31 and June 30, 2019:

 

 

December 31, 2019

 

Less than 12 months

 

12 months or more

 

Total

 

 

 

Unrealized

 

 

 

Unrealized

 

 

 

Unrealized

 

Fair Value

 

Losses

 

Fair Value

 

Losses

 

Fair Value

 

Losses

(dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

U.S. government-sponsored

enterprises (GSEs)

$

-

 

$

-

 

$

998

 

$

1

 

$

998

 

$

1

Obligations of state and political

subdivisions

 

2,293

 

 

9

 

 

2,192

 

 

9

 

 

4,485

 

 

18

Other securities

 

-

 

 

-

 

 

949

 

 

227

 

 

949

 

 

227

Mortgage-backed securities

 

33,472

 

 

141

 

 

10,263

 

 

65

 

 

43,735

 

 

206

 Total investments and mortgage-

   backed securities

$

35,765

 

$

150

 

$

14,402

 

$

302

 

$

50,167

 

$

452

 

 

June 30, 2019

 

Less than 12 months

 

12 months or more

 

Total

 

 

 

Unrealized

 

 

 

Unrealized

 

 

 

Unrealized

 

Fair Value

 

Losses

 

Fair Value

 

Losses

 

Fair Value

 

Losses

(dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

U.S. government-sponsored

enterprises (GSEs)

$

-

 

$

-

 

$

$6,969

 

$

15

 

$

6,969

 

$

15

Obligations of state and political

subdivisions

 

-

 

 

-

 

 

8,531

 

 

68

 

 

8,531

 

 

68

Other securities

 

-

 

 

-

 

 

985

 

 

198

 

 

985

 

 

198

Mortgage-backed securities

 

1,175

 

 

1

 

 

34,148

 

 

316

 

 

35,323

 

 

317

 Total investments and mortgage-

   backed securities

$

1,175

 

$

1

 

$

50,633

 

$

597

 

$

51,808

 

$

598

 

 

Other securities.  At December 31, 2019, there were two pooled trust preferred securities with an estimated fair value of $752,000 and unrealized losses of $222,000 in a continuous unrealized loss position for twelve months or more. These unrealized losses were primarily due to the long-term nature of the pooled trust preferred securities and a reduced demand for these securities, and concerns regarding the financial institutions that issued the underlying trust preferred securities.

 

The December 31, 2019, cash flow analysis for these two securities indicated it is probable the Company will receive all contracted principal and related interest projected. The cash flow analysis used in making this determination was based on anticipated default, recovery, and prepayment rates, and the resulting cash flows were discounted based on the yield spread anticipated at the time the securities were purchased. Other inputs include the actual collateral attributes, which include credit ratings and other performance indicators of the underlying financial institutions, including profitability, capital ratios, and asset quality. Assumptions for these two securities included prepayments averaging 1.6 percent, annually, annual defaults averaging 50 basis points, and a recovery rate averaging 10 percent of gross defaults, lagged two years.

 

-16-

One of these two securities has continued to receive cash interest payments in full since purchase; the other security received principal-in-kind (PIK), in lieu of cash interest, for a period of time following the recession and financial crisis which began in 2008, but resumed cash interest payments during fiscal 2014. The Company’s cash flow analysis indicates that cash interest payments are expected to continue for both securities. Because the Company does not intend to sell these securities and it is not more-likely-than-not that the Company will be required to sell these securities prior to recovery of their amortized cost basis, which may be maturity, the Company does not consider these investments to be other-than-temporarily impaired at December 31, 2019.

 

The Company does not believe any other individual unrealized loss as of December 31, 2019, represents other-than-temporary impairment (OTTI). However, the Company could be required to recognize OTTI losses in future periods with respect to its available for sale investment securities portfolio. The amount and timing of any required OTTI will depend on the decline in the underlying cash flows of the securities. Should the impairment of any of these securities become other-than-temporary, the cost basis of the investment will be reduced and the resulting loss recognized in the period the OTTI is identified.

 

Credit losses recognized on investments.  During fiscal 2009, the Company adopted ASC 820, formerly FASB Staff Position 157-4, “Determining Fair Value When the Volume and Level of Activity for the Asset or Liability Have Significantly Decreased and Identifying Transactions That Are Not Orderly.”  There were no credit losses recognized in income and other losses or recorded in other comprehensive income for the three- and six- month periods ended December 31, 2019 and 2018.

 

 

Note 4:  Loans and Allowance for Loan Losses

 

Classes of loans are summarized as follows:

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Real Estate Loans:

 

 

 

 

 

     Residential

$

539,416

 

$

491,992

     Construction

 

169,195

 

 

123,287

     Commercial

 

850,476

 

 

840,777

Consumer loans

 

101,621

 

 

97,534

Commercial loans

 

355,275

 

 

355,874

  

 

2,015,983

 

 

1,909,464

Loans in process

 

(72,381)

 

 

(43,153)

Deferred loan fees, net

 

(3)

 

 

(3)

Allowance for loan losses

 

(20,814)

 

 

(19,903)

     Total loans

$

1,922,785

 

$

1,846,405

 

 

The Company’s lending activities consist of origination of loans secured by mortgages on one- to four-family residences and commercial and agricultural real estate, construction loans on residential and commercial properties, commercial and agricultural business loans and consumer loans. The Company has also occasionally purchased loan participation interests originated by other lenders and secured by properties generally located in the states of Missouri and Arkansas.

 

Residential Mortgage Lending. The Company actively originates loans for the acquisition or refinance of one- to four-family residences.  This category includes both fixed-rate and adjustable-rate mortgage (“ARM”) loans amortizing over periods of up to 30 years, and the properties securing such loans may be owner-occupied or non-owner-occupied.  Single-family residential loans do not generally exceed 90% of the lower of the appraised value or purchase price of the secured property.  Substantially all of the one- to four-family residential mortgage originations in the Company’s portfolio are located within the Company’s primary lending area.

 

The Company also originates loans secured by multi-family residential properties that are often located outside the Company’s primary lending area but made to borrowers who operate within the Company’s primary market area.  The majority of the multi-family residential loans that are originated by the Bank are amortized over periods generally up to 25 years, with balloon maturities typically up to ten years. Both fixed and adjustable interest rates are offered and it is typical for the Company to include an interest rate “floor” and “ceiling” in the loan agreement. Generally, multi-family residential loans do not exceed 85% of the lower of the appraised value or purchase price of the secured property.

-17-

 

Commercial Real Estate Lending. The Company actively originates loans secured by commercial real estate including land (improved, unimproved, and farmland), strip shopping centers, retail establishments and other businesses. These properties are typically owned and operated by borrowers headquartered within the Company’s primary lending area, however, the property may be located outside our primary lending area.

 

Most commercial real estate loans originated by the Company generally are based on amortization schedules of up to 25 years with monthly principal and interest payments. Generally, the interest rate received on these loans is fixed for a maturity for up to seven years, with a balloon payment due at maturity. Alternatively, for some loans, the interest rate adjusts at least annually after an initial period up to seven years. The Company typically includes an interest rate “floor” in the loan agreement. Generally, improved commercial real estate loan amounts do not exceed 80% of the lower of the appraised value or the purchase price of the secured property. Agricultural real estate terms offered differ slightly, with amortization schedules of up to 25 years with an 80% loan-to-value ratio, or 30 years with a 75% loan-to-value ratio.

 

 

Construction Lending. The Company originates real estate loans secured by property or land that is under construction or development. Construction loans originated by the Company are generally secured by mortgage loans for the construction of owner-occupied residential real estate or to finance speculative construction secured by residential real estate, land development, or owner-operated or non-owner-occupied commercial real estate. During construction, these loans typically require monthly interest-only payments and have maturities ranging from six to twelve months. Once construction is completed, permanent construction loans may be converted to monthly payments using amortization schedules of up to 30 years on residential and generally up to 25 years on commercial real estate.

 

While the Company typically utilizes maturity periods ranging from 6 to 12 months to closely monitor the inherent risks associated with construction loans, weather conditions, change orders, availability of materials and/or labor, and other factors may contribute to the lengthening of a project, thus necessitating the need to renew the construction loan at the balloon maturity.  Such extensions are typically executed in incremental three month periods to facilitate project completion.  The Company’s average term of construction loans is approximately eight months.  During construction, loans typically require monthly interest only payments which may allow the Company an opportunity to monitor for early signs of financial difficulty should the borrower fail to make a required monthly payment.  Additionally, during the construction phase, the Company typically performs interim inspections which further allow the Company opportunity to assess risk.  At December 31, 2019, construction loans outstanding included 64 loans, totaling $30.0 million, for which a modification had been agreed to.  At June 30, 2019, construction loans outstanding included 59 loans, totaling $27.2 million, for which a modification had been agreed to. All modifications were solely for the purpose of extending the maturity date due to conditions described above.  None of these modifications were executed due to financial difficulty on the part of the borrower and, therefore, were not accounted for as TDRs.

 

Consumer Lending. The Company offers a variety of secured consumer loans, including home equity, direct and indirect automobile loans, second mortgages, mobile home loans and loans secured by deposits. The Company originates substantially all of its consumer loans in its primary lending area. Consumer loans are typically originated with fixed rates for terms of up to five years, with the exception of home equity lines of credit, which are typically originated with adjustable rates, tied to the prime rate of interest, and for a period of ten years.

 

Home equity lines of credit (HELOCs) are secured with a deed of trust and are issued up to 100% of the appraised or assessed value of the property securing the line of credit, less the outstanding balance on the first mortgage. Interest rates on the HELOCs are generally adjustable and based upon the loan-to-value ratio of the property, with better rates given to borrowers with more equity.

 

Automobile loans originated by the Company include both direct loans and a smaller amount of loans originated by auto dealers. The Company generally pays a negotiated fee back to the dealer for indirect loans. Typically, automobile loans are made for terms of up to 60 months for new and used vehicles. Loans secured by automobiles have fixed rates and are generally made in amounts up to 100% of the purchase price of the vehicle.

-18-

 

Commercial Business Lending. The Company’s commercial business lending activities encompass loans with a variety of purposes and security, including loans to finance accounts receivable, inventory, equipment and operating lines of credit, including agricultural production and equipment loans. The Company offers both fixed and adjustable rate commercial business loans. Generally, commercial loans secured by fixed assets are amortized over periods up to five years, while commercial operating lines of credit or agricultural production lines are generally for a one year period.

 

 

The following tables present the balance in the allowance for loan losses and the recorded investment in loans (excluding loans in process and deferred loan fees) based on portfolio segment and impairment methods as of December 31 and June 30, 2019, and activity in the allowance for loan losses for the three- and six- month periods ended December 31, 2019 and 2018:

 

 

 

At period end and for the six months ended December 31, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, beginning of period

$

3,706

 

$

1,365

 

$

9,399

 

$

1,046

 

$

4,387

 

$

19,903

 Provision charged to expense

 

160

 

 

292

 

 

413

 

 

92

 

 

327

 

 

1,284

 Losses charged off

 

(172)

 

 

-

 

 

-

 

 

(97)

 

 

(147)

 

 

(416)

 Recoveries

 

18

 

 

-

 

 

15

 

 

9

 

 

1

 

 

43

   Balance, end of period

$

3,712

 

$

1,657

 

$

9,827

 

$

1,050

 

$

4,568

 

$

20,814

   Ending Balance: individually

     evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

   Ending Balance: collectively

     evaluated for impairment

$

3,712

 

$

1,657

 

$

9,827

 

$

1,050

 

$

4,568

 

$

20,814

   Ending Balance: loans acquired

     with deteriorated credit quality

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Ending Balance: individually

   evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 Ending Balance: collectively

   evaluated for impairment

$

538,121

 

$

95,518

 

$

835,045

 

$

101,621

 

$

349,186

 

$

1,919,491

 Ending Balance: loans acquired

   with deteriorated credit quality

$

1,295

 

$

1,296

 

$

15,431

 

$

-

 

$

6,089

 

$

24,111

 

 

For the three months ended December 31, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, beginning of period

$

3,572

 

$

1,539

 

$

9,789

 

$

1,074

 

$

4,736

 

$

20,710

 Provision charged to expense

 

294

 

 

118

 

 

37

 

 

(4)

 

 

(57)

 

 

388

 Losses charged off

 

(172)

 

 

-

 

 

-

 

 

(26)

 

 

(112)

 

 

(310)

 Recoveries

 

18

 

 

-

 

 

1

 

 

6

 

 

1

 

 

26

 Balance, end of period

$

3,712

 

$

1,657

 

$

9,827

 

$

1,050

 

$

4,568

 

$

20,814

 

-19-

 

 

At period end and for the six months ended December 31, 2018

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, beginning of period

$

3,226

 

$

1,097

 

$

8,793

 

$

902

 

$

4,196

 

$

18,214

 Provision charged to expense

 

415

 

 

94

 

 

319

 

 

80

 

 

87

 

 

995

 Losses charged off

 

(9)

 

 

-

 

 

(120)

 

 

(20)

 

 

(47)

 

 

(196)

 Recoveries

 

1

 

 

-

 

 

3

 

 

5

 

 

1

 

 

10

 Balance, end of period

$

3,633

 

$

1,191

 

$

8,995

 

$

967

 

$

4,237

 

$

19,023

 Ending Balance: individually

   evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 Ending Balance: collectively

   evaluated for impairment

$

3,633

 

$

1,191

 

$

8,995

 

$

967

 

$

4,237

 

$

19,023

 Ending Balance: loans acquired

   with deteriorated credit quality

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

 

For the three months ended December 31, 2018

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, beginning of period

$

3,349

 

$

1,293

 

$

8,733

 

$

981

 

$

4,434

 

$

18,790

 Provision charged to expense

 

293

 

 

(102)

 

 

284

 

 

(11)

 

 

(150)

 

 

314

 Losses charged off

 

(9)

 

 

-

 

 

(25)

 

 

(3)

 

 

(47)

 

 

(84)

 Recoveries

 

-

 

 

-

 

 

3

 

 

-

 

 

-

 

 

3

 Balance, end of period

$

3,633

 

$

1,191

 

$

8,995

 

$

967

 

$

4,237

 

$

19,023

 

 

At June 30, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, end of period

$

3,706

 

$

1,365

 

$

9,399

 

$

1,046

 

$

4,387

 

$

19,903

 Ending Balance: individually

   evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 Ending Balance: collectively

   evaluated for impairment

$

3,706

 

$

1,365

 

$

9,399

 

$

1,046

 

$

4,387

 

$

19,903

 Ending Balance: loans acquired

   with deteriorated credit quality

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

     

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Ending Balance: individually

   evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 Ending Balance: collectively

   evaluated for impairment

$

490,307

 

$

78,826

 

$

821,415

 

$

97,534

 

$

349,681

 

$

1,837,763

 Ending Balance: loans acquired

   with deteriorated credit quality

$

1,685

 

$

1,308

 

$

19,362

 

$

-

 

$

6,193

 

$

28,548

 

 

Management’s opinion as to the ultimate collectability of loans is subject to estimates regarding future cash flows from operations and the value of property, real and personal, pledged as collateral. These estimates are affected by changing economic conditions and the economic prospects of borrowers.

 

The allowance for loan losses is maintained at a level that, in management’s judgment, is adequate to cover probable credit losses inherent in the loan portfolio at the balance sheet date. The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when an amount is determined to be uncollectible, based on management’s analysis of expected cash flow (for non-collateral-dependent loans) or collateral value (for collateral-dependent loans). Subsequent recoveries, if any, are credited to the allowance.

 

-20-

The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

 

The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan.

 

Under the Company’s allowance methodology, loans are first segmented into 1) those comprising large groups of homogeneous loans, which are collectively evaluated for impairment, and 2) all other loans which are individually evaluated.  Those loans in the second category are further segmented utilizing a defined grading system which involves categorizing loans by severity of risk based on conditions that may affect the ability of the borrowers to repay their debt, such as current financial information, collateral valuations, historical payment experience, credit documentation, public information, and current trends.  The loans subject to credit classification represent the portion of the portfolio subject to the greatest credit risk and where adjustments to the allowance for losses on loans as a result of provisions and charge offs are most likely to have a significant impact on operations.

 

A periodic review of selected credits (based on loan size and type) is conducted to identify loans with heightened risk or probable losses and to assign risk grades.  The primary responsibility for this review rests with loan administration personnel.  This review is supplemented with periodic examinations of both selected credits and the credit review process by the Company’s internal audit function and applicable regulatory agencies.  The information from these reviews assists management in the timely identification of problems and potential problems and provides a basis for deciding whether the credit represents a probable loss or risk that should be recognized.

 

The Company considers, as the primary quantitative factor in its allowance methodology, average net charge offs over the most recent twelve-month period.  The Company also reviews average net charge offs over the most recent five-year period.

 

A loan is considered impaired when, based on current information and events, it is probable that the scheduled payments of principal or interest will not be able to be collected when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and agricultural loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent.

 

Groups of loans with similar risk characteristics are collectively evaluated for impairment based on the group’s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, individual consumer and residential loans are not separately identified for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.

 

The general component covers non-classified loans and is based on historical charge-off experience and expected loss given the internal risk rating process. The loan portfolio is stratified into homogeneous groups of loans that possess similar loss characteristics and an appropriate loss ratio adjusted for qualitative factors is applied to the homogeneous pools of loans to estimate the incurred losses in the loan portfolio.

 

-21-

Included in the Company’s loan portfolio are certain loans accounted for in accordance with ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality. These loans were written down at acquisition to an amount estimated to be collectible. As a result, certain ratios regarding the Company’s loan portfolio and credit quality cannot be used to compare the Company to peer companies or to compare the Company’s current credit quality to prior periods. The ratios particularly affected by accounting under ASC 310-30 include the allowance for loan losses as a percentage of loans, nonaccrual loans, and nonperforming assets, and nonaccrual loans and nonperforming loans as a percentage of total loans.

 

The following tables present the credit risk profile of the Company’s loan portfolio (excluding loans in process and deferred loan fees) based on rating category and payment activity as of December 31 and June 30, 2019. These tables include purchased credit impaired loans, which are reported according to risk categorization after acquisition based on the Company’s standards for such classification:

 

 

December 31, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

$

532,574

 

$

96,814

 

$

813,762

 

$

101,258

 

$

342,224

Watch

 

1,009

 

 

-

 

 

20,812

 

 

166

 

 

6,255

Special Mention

 

103

 

 

-

 

 

3,436

 

 

26

 

 

-

Substandard

 

5,730

 

 

-

 

 

12,466

 

 

171

 

 

6,796

Doubtful

 

-

 

 

-

 

 

-

 

 

-

 

 

-

     Total

$

539,416

 

$

96,814

 

$

850,476

 

$

101,621

 

$

355,275

 

 

June 30, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

Pass

$

482,869

 

$

80,134

 

$

802,479

 

$

97,012

 

$

341,069

Watch

 

1,236

 

 

-

 

 

21,693

 

 

170

 

 

7,802

Special Mention

 

103

 

 

-

 

 

3,463

 

 

26

 

 

-

Substandard

 

7,784

 

 

-

 

 

13,142

 

 

291

 

 

7,003

Doubtful

 

-

 

 

-

 

 

-

 

 

35

 

 

-

     Total

$

491,992

 

$

80,134

 

$

840,777

 

$

97,534

 

$

355,874

 

 

The above amounts include purchased credit impaired loans. At December 31, 2019, purchased credited impaired loans comprised $6.0 million of credits rated “Pass”; $10.6 million of credits rated “Watch”; none rated “Special Mention”; $7.5 million of credits rated “Substandard”; and none rated “Doubtful”. At June 30, 2019,  purchased credit impaired loans accounted for $6.9 million of credits rated “Pass”; $10.4 million of credits rated “Watch”; none rated “Special Mention”; $11.2 million of credits rated “Substandard”; and none rated “Doubtful”.

 

 

Credit Quality Indicators.  The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends among other factors.  The Company analyzes loans individually by classifying the loans as to credit risk.  This analysis is performed on all loans at origination, and is updated on a quarterly basis for loans risk rated Special Mention, Substandard, or Doubtful.  In addition, lending relationships of $2 million or more, exclusive of any consumer or owner-occupied residential loan, are subject to an annual credit analysis which is prepared by the loan administration department and presented to a loan committee with appropriate lending authority. A sample of lending relationships in excess of $1 million (exclusive of single-family residential real estate loans) are subject to an independent loan review annually, in order to verify risk ratings.  The Company uses the following definitions for risk ratings:

 

Watch – Loans classified as watch exhibit weaknesses that require more than usual monitoring. Issues may include deteriorating financial condition, payments made after due date but within 30 days, adverse industry conditions or management problems.

 

Special Mention – Loans classified as special mention exhibit signs of further deterioration but still generally make payments within 30 days. This is a transitional rating and loans should typically not be rated Special Mention for more than 12 months

-22-

 

Substandard – Loans classified as substandard possess weaknesses that jeopardize the ultimate collection of the principal and interest outstanding. These loans exhibit continued financial losses, ongoing delinquency, overall poor financial condition, and insufficient collateral. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

 

Doubtful – Loans classified as doubtful have all the weaknesses of substandard loans, and have deteriorated to the level that there is a high probability of substantial loss.

 

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be Pass rated loans.

 

The following tables present the Company’s loan portfolio aging analysis (excluding loans in process and deferred loan fees) as of December 31 and June 30, 2019.  These tables include purchased credit impaired loans, which are reported according to aging analysis after acquisition based on the Company’s standards for such classification:

 

 

December 31, 2019

 

 

 

 

 

 

 

 

Greater Than

 

 

 

 

 

 

 

 

 

 

 

Greater Than 90

 

 

30-59 Days

 

 

60-89 Days

 

 

90 Days

 

 

Total

 

 

 

 

 

Total Loans

 

 

Days Past Due

(dollars in thousands)

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Current

 

 

Receivable

 

 

and Accruing

Real Estate Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Residential

$

1,457

 

$

1,246

 

$

1,442

 

$

4,145

 

$

535,271

 

$

539,416

 

$

-

 Construction

 

-

 

 

-

 

 

-

 

 

-

 

 

96,814

 

 

96,814

 

 

-

 Commercial

 

576

 

 

296

 

 

3,020

 

 

3,892

 

 

846,584

 

 

850,476

 

 

-

Consumer loans

 

475

 

 

136

 

 

173

 

 

784

 

 

100,837

 

 

101,621

 

 

1

Commercial loans

 

277

 

 

230

 

 

225

 

 

732

 

 

354,543

 

 

355,275

 

 

-

 Total loans

$

2,785

 

$

1,908

 

$

4,860

 

$

9,553

 

$

1,934,049

 

$

1,943,602

 

$

1

 

 

June 30, 2019

 

 

 

 

 

 

 

 

Greater Than

 

 

 

 

 

 

 

 

 

 

 

Greater Than 90

 

 

30-59 Days

 

 

60-89 Days

 

 

90 Days

 

 

Total

 

 

 

 

 

Total Loans

 

 

Days Past Due

(dollars in thousands)

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Current

 

 

Receivable

 

 

and Accruing

Real Estate Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Residential

$

227

 

$

1,054

 

$

1,714

 

$

2,995

 

$

488,997

 

$

491,992

 

$

-

 Construction

 

-

 

 

-

 

 

-

 

 

-

 

 

80,134

 

 

80,134

 

 

-

 Commercial

 

296

 

 

1

 

 

5,617

 

 

5,914

 

 

834,863

 

 

840,777

 

 

-

Consumer loans

 

128

 

 

46

 

 

176

 

 

350

 

 

97,184

 

 

97,534

 

 

-

Commercial loans

 

424

 

 

25

 

 

1,902

 

 

2,351

 

 

353,523

 

 

355,874

 

 

-

 Total loans

$

1,075

 

$

1,126

 

$

9,409

 

$

11,610

 

$

1,854,701

 

$

1,866,311

 

$

-

 

 

At December 31, 2019 there were no purchased credit impaired loans that were greater than 90 days past due.  At June 30, 2019 there was one purchased credit impaired loan with net fair value of $3.1 million that was greater than 90 days past due.

 

A loan is considered impaired, in accordance with the impairment accounting guidance (ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming loans, as well as performing loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection.

 

-23-

The tables below present impaired loans (excluding loans in process and deferred loan fees) as of December 31 and June 30, 2019. These tables include purchased credit impaired loans. Purchased credit impaired loans are those for which it was deemed probable, at acquisition, that the Company would be unable to collect all contractually required payments receivable. In an instance where, subsequent to the acquisition, the Company determines it is probable, for a specific loan, that cash flows received will exceed the amount previously expected, the Company will recalculate the amount of accretable yield in order to recognize the improved cash flow expectation as additional interest income over the remaining life of the loan. These loans, however, will continue to be reported as impaired loans. In an instance where, subsequent to the acquisition, the Company determines it is probable, for a specific loan, that cash flows received will be less than the amount previously expected, the Company will allocate a specific allowance under the terms of ASC 310-10-35.

 

 

December 31, 2019

 

 

Recorded

 

 

Unpaid Principal

 

 

Specific

(dollars in thousands)

 

Balance

 

 

Balance

 

 

Allowance

Loans without a specific valuation allowance:

 

 

 

 

 

 

 

 

 Residential real estate

$

4,086

 

$

4,322

 

$

-

 Construction real estate

 

1,295

 

 

1,340

 

 

-

 Commercial real estate

 

22,008

 

 

26,310

 

 

-

 Consumer loans

 

-

 

 

-

 

 

-

 Commercial loans

 

6,813

 

 

8,073

 

 

-

Loans with a specific valuation allowance:

 

 

 

 

 

 

 

 

 Residential real estate

$

-

 

$

-

 

$

-

 Construction real estate

 

-

 

 

-

 

 

-

 Commercial real estate

 

-

 

 

-

 

 

-

 Consumer loans

 

-

 

 

-

 

 

-

 Commercial loans

 

-

 

 

-

 

 

-

Total:

 

 

 

 

 

 

 

 

 Residential real estate

$

4,086

 

$

4,322

 

$

-

 Construction real estate

$

1,295

 

$

1,340

 

$

-

 Commercial real estate

$

22,008

 

$

26,310

 

$

-

 Consumer loans

$

-

 

$

-

 

$

-

 Commercial loans

$

6,813

 

$

8,073

 

$

-

 

 

June 30, 2019

 

 

Recorded

 

 

Unpaid Principal

 

 

Specific

(dollars in thousands)

 

Balance

 

 

Balance

 

 

Allowance

Loans without a specific valuation allowance:

 

 

 

 

 

 

 

 

 Residential real estate

$

5,104

 

$

5,341

 

$

-

 Construction real estate

 

1,330

 

 

1,419

 

 

-

 Commercial real estate

 

26,410

 

 

31,717

 

 

-

 Consumer loans

 

8

 

 

8

 

 

-

 Commercial loans

 

6,999

 

 

9,187

 

 

-

Loans with a specific valuation allowance:

 

 

 

 

 

 

 

 

 Residential real estate

$

-

 

$

-

 

$

-

 Construction real estate

 

-

 

 

-

 

 

-

 Commercial real estate

 

-

 

 

-

 

 

-

 Consumer loans

 

-

 

 

-

 

 

-

 Commercial loans

 

-

 

 

-

 

 

-

Total:

 

 

 

 

 

 

 

 

 Residential real estate

$

5,104

 

$

5,341

 

$

-

 Construction real estate

$

1,330

 

$

1,419

 

$

-

 Commercial real estate

$

26,410

 

$

31,717

 

$

-

 Consumer loans

$

8

 

$

8

 

$

-

 Commercial loans

$

6,999

 

$

9,187

 

$

-

 

 

-24-

The above amounts include purchased credit impaired loans. At December 31, 2019, purchased credit impaired loans comprised $24.1 million of impaired loans without a specific valuation allowance.  At June 30, 2019, purchased credit impaired loans comprised $28.5 million of impaired loans without a specific valuation allowance.

 

The following tables present information regarding interest income recognized on impaired loans:

 

 

For the three-month period ended

 

December 31, 2019

 

 

Average

 

 

 

(dollars in thousands)

 

Investment in

 

 

Interest Income

 

 

Impaired Loans

 

 

Recognized

Residential Real Estate

$

1,482

 

$

22

Construction Real Estate

 

1,300

 

 

36

Commercial Real Estate

 

15,756

 

 

340

Consumer Loans

 

-

 

 

-

Commercial Loans

 

5,760

 

 

121

   Total Loans

$

24,298

 

$

519

 

 

For the three-month period ended

 

December 31, 2018

 

 

Average

 

 

 

(dollars in thousands)

 

Investment in

 

 

Interest Income

 

 

Impaired Loans

 

 

Recognized

Residential Real Estate

$

1,844

 

$

28

Construction Real Estate

 

1,295

 

 

41

Commercial Real Estate

 

13,186

 

 

429

Consumer Loans

 

-

 

 

-

Commercial Loans

 

3,356

 

 

102

   Total Loans

$

19,681

 

$

600

 

 

For the six-month period ended

 

December 31, 2019

 

 

Average

 

 

 

(dollars in thousands)

 

Investment in

 

 

Interest Income

 

 

Impaired Loans

 

 

Recognized

Residential Real Estate

$

1,549

 

$

45

Construction Real Estate

 

1,302

 

 

84

Commercial Real Estate

 

16,958

 

 

675

Consumer Loans

 

-

 

 

-

Commercial Loans

 

5,904

 

 

214

   Total Loans

$

25,713

 

$

1,018

 

 

For the six-month period ended

 

December 31, 2018

 

 

Average

 

 

 

(dollars in thousands)

 

Investment in

 

 

Interest Income

 

 

Impaired Loans

 

 

Recognized

Residential Real Estate

$

2,300

 

$

61

Construction Real Estate

 

1,295

 

 

142

Commercial Real Estate

 

11,327

 

 

799

Consumer Loans

 

-

 

 

-

Commercial Loans

 

3,054

 

 

718

   Total Loans

$

17,976

 

$

1,720

 

 

-25-

Interest income on impaired loans recognized on a cash basis in the three- and six- month periods ended December 31, 2019 and 2018, was immaterial.

 

For the three- and six- month periods ended December 31, 2019, the amount of interest income recorded for impaired loans that represented a change in the present value of cash flows attributable to the passage of time was approximately $79,000 and $163,000, as compared to $144,000 and $1.1 million, for the three- and six- month periods ended December 31, 2018.

 

The following table presents the Company’s nonaccrual loans at December 31 and June 30, 2019. Purchased credit impaired loans are placed on nonaccrual status in the event the Company cannot reasonably estimate cash flows expected to be collected.  The table excludes performing troubled debt restructurings.

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Residential real estate

$

4,397

 

$

6,404

Construction real estate

 

-

 

 

-

Commercial real estate

 

5,212

 

 

10,876

Consumer loans

 

179

 

 

309

Commercial loans

 

631

 

 

3,424

     Total loans

$

10,419

 

$

21,013

 

The above amounts include purchased credit impaired loans.  At December 31, 2019 there were no purchased credit impaired loans on nonaccrual.  At June 30, 2019, purchased credit impaired loans comprised $4.1 million of nonaccrual loans.

 

 

Included in certain loan categories in the impaired loans are troubled debt restructurings (TDRs), where economic concessions have been granted to borrowers who have experienced financial difficulties. These concessions typically result from our loss mitigation activities, and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance, or other actions. Certain TDRs are classified as nonperforming at the time of restructuring and typically are returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period of at least six months.

 

When loans and leases are modified into a TDR, the Company evaluates any possible impairment similar to other impaired loans based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan or lease agreement, and uses the current fair value of the collateral, less selling costs, for collateral dependent loans. If the Company determines that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs, and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. In periods subsequent to modification, the Company evaluates all TDRs, including those that have payment defaults, for possible impairment and recognizes impairment through the allowance.

 

During the three- and six- month periods ended December 31, 2019 and 2018, certain loans modified were classified as TDRs. They are shown, segregated by class, in the table below:

 

 

 

For the three-month periods ended

 

 

December 31, 2019

 

 

December 31, 2018

(dollars in thousands)

 

Number of

 

 

Recorded

 

 

Number of

 

 

Recorded

modifications

 

 

Investment

 

 

modifications

 

 

Investment

Residential real estate

 

-

 

$

-

 

 

1

 

$

707

Construction real estate

 

-

 

 

-

 

 

-

 

 

-

Commercial real estate

 

-

 

 

-

 

 

4

 

 

962

Consumer loans

 

-

 

 

-

 

 

-

 

 

-

Commercial loans

 

-

 

 

-

 

 

1

 

 

20

   Total

 

-

 

$

-

 

 

6

 

$

1,689

 

-26-

 

 

For the six-month periods ended

 

December 31, 2019

 

 

December 31, 2018

(dollars in thousands)

 

Number of

 

 

Recorded

 

 

Number of

 

 

Recorded

modifications

 

 

Investment

 

 

modifications

 

 

Investment

Residential real estate

 

-

 

$

-

 

 

1

 

$

707

Construction real estate

 

-

 

 

-

 

 

-

 

 

-

Commercial real estate

 

-

 

 

-

 

 

7

 

 

2,264

Consumer loans

 

-

 

 

-

 

 

-

 

 

-

Commercial loans

 

-

 

 

-

 

 

2

 

 

89

   Total

 

-

 

$

-

 

 

10

 

$

3,060

 

Performing loans classified as TDRs and outstanding at December 31 and June 30, 2019, segregated by class, are shown in the table below. Nonperforming TDRs are shown as nonaccrual loans.

 

 

 

December 31, 2019

 

 

June 30, 2019

 

 

Number of

 

 

Recorded

 

 

Number of

 

 

Recorded

(dollars in thousands)

modifications

 

 

Investment

 

 

modifications

 

 

Investment

Residential real estate

 

9

 

$

967

 

 

10

 

$

1,130

Construction real estate

 

-

 

 

-

 

 

-

 

 

-

Commercial real estate

 

16

 

 

7,884

 

 

20

 

 

6,529

Consumer loans

 

-

 

 

-

 

 

-

 

 

-

Commercial loans

 

10

 

 

5,963

 

 

10

 

 

5,630

   Total

 

35

 

$

14,814

 

 

40

 

$

13,289

 

 

The Company may obtain physical possession of real estate collateralizing a residential mortgage loan or home equity loan via foreclosure or in-substance repossession. As of December 31 and June 30, 2019, the carrying value of foreclosed residential real estate properties as a result of obtaining physical possession was $823,000 and $752,000, respectively. In addition, as of December 31 and June 30, 2019, the Company had residential mortgage loans and home equity loans with a carrying value of $516,000 and $493,000, respectively, collateralized by residential real estate property for which formal foreclosure proceedings were in process.

 

Note 5: Accounting for Certain Loans Acquired in a Transfer

 

During the fiscal years ended June 30, 2011, 2015, 2017, and 2019, the Company acquired certain loans which evidenced deterioration of credit quality since origination and for which it was probable, at acquisition, that all contractually required payments would not be collected.

 

Loans purchased with evidence of credit deterioration since origination and for which it is probable that all contractually required payments will not be collected are considered to be credit impaired. Evidence of credit quality deterioration as of the purchase date may include information such as past-due and nonaccrual status, borrower credit scores and recent loan to value percentages. Purchased credit-impaired loans are accounted for under the accounting guidance for loans and debt securities acquired with deteriorated credit quality (ASC 310-30) and initially measured at fair value, which includes estimated future credit losses expected to be incurred over the life of the loan. Accordingly, an allowance for credit losses related to these loans is not carried over and recorded at the acquisition date. Management estimated the cash flows expected to be collected at acquisition using the Bank’s internal risk models, which incorporate the estimate of current key assumptions, such as default rates, severity and prepayment speeds.

 

-27-

The carrying amount of those loans is included in the balance sheet amounts of loans receivable at December 31 and June 30, 2019. The amount of these loans is shown below:  

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Residential real estate

$

1,532

 

$

1,921

Construction real estate

 

1,340

 

 

1,397

Commercial real estate

 

19,733

 

 

24,669

Consumer loans

 

-

 

 

-

Commercial loans

 

7,349

 

 

8,381

     Outstanding balance

$

$29,954

 

$

$36,368

    Carrying amount, net of fair value adjustment of
    $5,844 and $7,821 at December 31, 2019 and  
    June 30, 2019, respectively   

$

$24,110

 

$

$28,547

 

 

Accretable yield, or income expected to be collected, is as follows:

 

 

For the three-month period ended

(dollars in thousands)

 

December 31, 2019

 

 

December 31, 2018

Balance at beginning of period

$

183

 

$

305

 Additions

 

-

 

 

102

 Accretion

 

(79)

 

 

(144)

 Reclassification from nonaccretable difference

 

83

 

 

108

 Disposals

 

-

 

 

-

Balance at end of period

$

187

 

$

371

 

 

For the six-month period ended

(dollars in thousands)

 

December 31, 2019

 

 

December 31, 2018

Balance at beginning of period

$

220

 

$

589

 Additions

 

-

 

 

102

 Accretion

 

(163)

 

 

(1,089)

 Reclassification from nonaccretable difference

 

130

 

 

973

 Disposals

 

-

 

 

(204)

Balance at end of period

$

187

 

$

371

 

 

During the three- and six- month periods ended December 31, 2019 and December 31, 2018, the Company did not increase or reverse the allowance for loan losses related to these purchased credit impaired loans.

 

 

Note 6:  Premises and Equipment

 

Following is a summary of premises and equipment:

 

 

 

 

 

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Land

$

12,404

 

$

12,414

Buildings and improvements

 

54,561

 

 

54,304

Construction in progress

 

973

 

 

466

Furniture, fixtures, equipment and software

 

17,588

 

 

16,514

Automobiles

 

107

 

 

107

Operating leases right of use assets

 

1,988

 

 

-

 

 

87,621

 

 

83,805

Less accumulated depreciation

 

22,615

 

 

21,078

 

$

$65,006

 

$

$62,727

 

 

Leases.  The Company adopted ASU 2016-02, Leases (Topic 842), on July 1, 2019, using the modified retrospective transition approach whereby comparative periods were not restated.  The Company also elected certain relief options under the ASU, including the option not to recognize right of use (“ROU”) asset and lease liabilities that arise from short-term leases (leases with terms of twelve months or less).  The Company has five leased properties and numerous office equipment lease agreements in which it is the lessee, with lease terms exceeding twelve months.   

-28-

Adoption of this ASU resulted in the Company recognizing a ROU asset and corresponding lease liability of $437,000, while entry into a new operating lease agreement during the three-month period ended September 30, 2019, resulted in the recognition of a ROU asset and corresponding lease liability of $1.6 million.

 

All of the leases are classified as operating leases, and therefore, were previously not recognized on the Company’s consolidated balance sheets.  With the adoption of ASU 2016-02, these operating leases are now included as a ROU asset in the premises and equipment line item on the Company’s consolidated balance sheets.  The corresponding lease liability is included in the accounts payable and other liabilities line item on the Company’s consolidated balance sheets.  Because these leases are classified as operating leases, the adoption of the new standard did not have a material effect on lease expense on the Company’s consolidated statements of income.

 

ASU 2016-02 also requires certain other accounting elections.  The Company elected the short-term lease recognition exemption for all leases that qualify, meaning those with terms under twelve months.  ROU assets or lease liabilities are not to be recognized for short-term leases. The calculated amount of the ROU assets and lease liabilities in the table below are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the ROU asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception over a similar term. The discount rate utilized was 5%.  The expected lease terms range from 18 months to 20 years.   

 

 

 

 

At or For the

 

 

Six Months Ended

(dollars in thousands)

 

December 31, 2019

Consolidated Balance Sheet

 

 

Operating leases right of use asset

$

1,988

Operating leases liability

$

1,988

 

 

 

Consolidated Statement of Income

 

 

Operating lease costs classified as occupancy and equipment expense

$

109

    (includes short-term lease costs)

 

 

 

 

 

Supplemental disclosures of cash flow information

 

 

Cash paid for amounts included in the measurement of lease liabilities:

 

 

    Operating cash flows from operating leases

$

78

ROU assets obtained in exchange for operating lease obligations:

$

2,004

 

 

For the three- and six- month periods ended December 31, 2019, lease expense was $52,000 and $109,000, respectively, and was $51,000 and $129,000 for the three- and six- month periods ended December 31, 2018, respectively.  At December 31, 2019, future expected lease payments for leases with terms exceeding one year were as follows:

 

(dollars in thousands)

 

 

2020

$

77

2021

 

269

2022

 

243

2023

 

243

2024

 

243

2025

 

243

Thereafter

 

1,599

Future lease payments expected

$

$2,917

 

The Company leases facilities it owns or portions of facilities it owns to other third parties. The Company has determined that all of these lease agreements, in terms of being the lessor, are classified as operating leases.   For the three- and six- month periods ended December 31, 2019, income recognized from these lessor agreements was $80,000 and $162,000, respectively, and was included in net occupancy and equipment expense.

 

-29-

Note 7:  Deposits

 

Deposits are summarized as follows:

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Non-interest bearing accounts

$

223,604

 

$

218,889

NOW accounts

 

658,073

 

 

639,219

Money market deposit accounts

 

204,143

 

 

188,355

Savings accounts

 

166,140

 

 

167,973

Certificates

 

662,654

 

 

679,259

    Total Deposit Accounts

$

1,914,614

 

$

1,893,695

 

 

Note 8:  Earnings Per Share

 

The following table sets forth the computation of basic and diluted earnings per share:

 

 

Three months ended

 

 

Six months ended

 

December 31,

 

 

December 31,

 

 

2019

 

 

2018

 

 

 

2019

 

 

2018

 

 

 

 

 

 

 

 

 

 

 

(dollars in thousands except per share data)

 

 

 

 

 

 

 

 

 

 

 

 

Net income

$

7,717

 

$

7,454

 

 

$

15,545

 

$

14,254

 

 

 

 

 

 

 

 

 

 

 

 

 

Average Common shares – outstanding basic

 

9,202,052

 

 

9,136,873

 

 

 

9,217,155

 

 

9,066,597

Stock options under treasury stock method

 

10,847

 

 

11,860

 

 

 

9,675

 

 

12,342

Average Common shares – outstanding diluted

 

9,212,899

 

 

9,148,733

 

 

 

9,226,830

 

 

9,078,939

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic earnings per common share

$

0.84

 

$

0.82

 

 

$

1.69

 

$

1.57

Diluted earnings per common share

$

0.84

 

$

0.81

 

 

$

1.68

 

$

1.57

 

 

At December 31, 2019, no options outstanding had an exercise price in excess of the market price.  At December 31, 2018, 13,500 options outstanding had an exercise price in excess of the market price.  

 

 

Note 9: Income Taxes   

 

The Company and its subsidiary files income tax returns in the U.S. Federal jurisdiction and various states. The Company is no longer subject to federal and state examinations by tax authorities for tax years ending June 30, 2015 and before.  The Company recognized no interest or penalties related to income taxes.

 

The Company’s income tax provision is comprised of the following components:

 

 

For the three-month period ended

 

For the six-month periods ended

(dollars in thousands)

 

December 31, 2019

 

 

December 31, 2018

 

 

December 31, 2019

 

 

December 31, 2018

Income taxes

 

 

 

 

 

 

 

 

 

 

 

 Current

$

1,915

 

$

3,368

 

$

3,884

 

$

5,029

 Deferred

 

6

 

 

(1,566)

 

 

12

 

 

(1,560)

Total income tax provision

$

1,921

 

$

1,802

 

$

3,896

 

$

3,469

 

 

-30-

The components of net deferred tax assets are summarized as follows:

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Deferred tax assets:

 

 

 

 

 

 Provision for losses on loans

$

4,873

 

$

4,601

 Accrued compensation and benefits

 

567

 

 

692

 NOL carry forwards acquired

 

174

 

 

199

 Minimum Tax Credit

 

130

 

 

130

 Unrealized loss on other real estate

 

51

 

 

134

 Purchase accounting adjustments

 

-

 

 

255

 Losses and credits from LLC's

 

1,100

 

 

1,206

Total deferred tax assets

 

6,895

 

 

7,217

 

 

 

 

 

 

Deferred tax liabilities:

 

 

 

 

 

 Purchase accounting adjustments

 

164

 

 

-

 Depreciation

 

1,411

 

 

1,749

 FHLB stock dividends

 

120

 

 

120

 Prepaid expenses

 

238

 

 

313

 Unrealized gain on available for sale securities

 

477

 

 

364

 Other

 

-

 

 

61

Total deferred tax liabilities

 

2,410

 

 

2,607

 

 

 

 

 

 

     Net deferred tax asset

$

4,485

 

$

$4,610

 

 

As of December 31, 2019 the Company had approximately $963,000 and $1.7 million in federal and state net operating loss carryforwards, respectively, which were acquired in the July 2009 acquisition of Southern Bank of Commerce, the February 2014 acquisition of Citizens State Bankshares of Bald Knob, Inc., and the August 2014 acquisition of Peoples Service Company.  The amount reported is net of the IRC Sec. 382 limitation, or state equivalent, related to utilization of net operating loss carryforwards of acquired corporations. Unless otherwise utilized, the net operating losses will begin to expire in 2027.

 

A reconciliation of income tax expense at the statutory rate to the Company’s actual income tax is shown below:

 

 

For the three-month periods ended

 

For the six-month periods ended

(dollars in thousands)

December 31,

2019

 

December 31,

2018

 

December 31,

2019

 

December 31,

2018

Tax at statutory rate

$

2,024

 

$

1,944

 

$

$4,083

 

$

3,722

Increase (reduction) in taxes
 resulting from:

 

 

 

 

 

 

 

 

 

 

 

   Nontaxable municipal income

 

(113)

 

 

(77)

 

 

(226)

 

 

(149)

   State tax, net of Federal benefit

 

87

 

 

101

 

 

196

 

 

224

   Cash surrender value of
     Bank-owned life insurance

 

(53)

 

 

(125)

 

 

(106)

 

 

(176)

   Tax credit benefits

 

(4)

 

 

(68)

 

 

(6)

 

 

(136)

   Other, net

 

(20)

 

 

27

 

 

(45)

 

 

(16)

Actual provision

$

1,921

 

$

1,802

 

$

3,896

 

$

3,469

 

 

For the three- and six- month periods ended December 31, 2019 and December 31, 2018, income tax expense at the statutory rate was calculated using a 21% annual effective tax rate (AETR).  

 

Tax credit benefits are recognized under the deferral method of accounting for investments in tax credits.

 

-31-

Note 10:  401(k) Retirement Plan

 

The Bank has a 401(k) retirement plan that covers substantially all eligible employees.  The Bank made a safe harbor matching contribution to the Plan of up to 4% of eligible compensation, depending upon the percentage of eligible pay deferred into the plan by the employee, and also made additional, discretionary profit-sharing contributions for fiscal 2019; for fiscal 2020, the Company has maintained the safe harbor matching contribution of up to 4%, and expects to continue to make additional, discretionary profit-sharing contributions.   During the three- and six- month periods ended December 31, 2019, retirement plan expenses recognized for the Plan totaled approximately $343,000 and $724,000, respectively, as compared to $293,000 and $634,000, respectively, for the same period of the prior fiscal year.  Employee deferrals and safe harbor contributions are fully vested.  Profit-sharing or other contributions vest over a period of five years.

 

 

 

Note 11:  Subordinated Debt

 

Southern Missouri Statutory Trust I issued $7.0 million of Floating Rate Capital Securities (the “Trust Preferred Securities”) with a liquidation value of $1,000 per share in March 2004. The securities are due in 30 years, redeemable after five years and bear interest at a floating rate based on LIBOR. At December 31, 2019, the current rate was 4.65%. The securities represent undivided beneficial interests in the trust, which was established by the Company for the purpose of issuing the securities. The Trust Preferred Securities were sold in a private transaction exempt from registration under the Securities Act of 1933, as amended (the “Act”) and have not been registered under the Act.  The securities may not be offered or sold in the United States absent registration or an applicable exemption from registration requirements.

 

Southern Missouri Statutory Trust I used the proceeds from the sale of the Trust Preferred Securities to purchase Junior Subordinated Debentures of the Company. The Company used its net proceeds for working capital and investment in its subsidiaries.

 

In connection with its October 2013 acquisition of Ozarks Legacy Community Financial, Inc. (OLCF), the Company assumed $3.1 million in floating rate junior subordinated debt securities. The debt securities had been issued in June 2005 by OLCF in connection with the sale of trust preferred securities, bear interest at a floating rate based on LIBOR, are now redeemable at par, and mature in 2035. At December 31, 2019, the current rate was 4.34%. The carrying value of the debt securities was approximately $2.7 million at December 31, 2019 and $2.6 million at June 30, 2019.

 

In connection with its August 2014 acquisition of Peoples Service Company, Inc. (PSC), the Company assumed $6.5 million in floating rate junior subordinated debt securities. The debt securities had been issued in 2005 by PSC’s subsidiary bank holding company, Peoples Banking Company, in connection with the sale of trust preferred securities, bear interest at a floating rate based on LIBOR, are now redeemable at par, and mature in 2035. At December 31, 2019, the current rate was 3.69%.  The carrying value of the debt securities was approximately $5.2 million at December 31 and June 30, 2019.

 

 

Note 12:  Fair Value Measurements

 

ASC Topic 820, Fair Value Measurements, defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Topic 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value:

 

Level 1Quoted prices in active markets for identical assets or liabilities 

 

Level 2Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in active markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities 

 

Level 3Unobservable inputs supported by little or no market activity that are significant to the fair value of the assets or liabilities 

-32-

 

Recurring Measurements. The following table presents the fair value measurements of assets  recognized in the accompanying balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2019 and June 30, 2019:

 

 

Fair Value Measurements at December 31, 2019, Using:

 

 

 

 

 

Quoted Prices

in Active

Markets for

Identical

Assets

 

 

Significant

Other

Observable

Inputs

 

 

Significant

Unobservable

Inputs

(dollars in thousands)

 

Fair Value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

U.S. government sponsored enterprises (GSEs)

$

3,295

 

$

-

 

$

3,295

 

$

-

State and political subdivisions

 

42,238

 

 

-

 

 

42,238

 

 

-

Other securities

 

5,023

 

 

-

 

 

5,023

 

 

-

Mortgage-backed GSE residential

 

125,287

 

 

-

 

 

125,287

 

 

-

 

 

Fair Value Measurements at June 30, 2019, Using:

 

 

 

 

 

Quoted Prices

in Active

Markets for

Identical

Assets

 

 

Significant

Other

Observable

Inputs

 

 

Significant

Unobservable

Inputs

(dollars in thousands)

 

Fair Value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

U.S. government sponsored enterprises (GSEs)

$

7,270

 

$

-

 

$

7,270

 

$

-

State and political subdivisions

 

42,783

 

 

-

 

 

42,783

 

 

-

Other securities

 

5,053

 

 

-

 

 

5,053

 

 

-

Mortgage-backed GSE residential

 

110,429

 

 

-

 

 

110,429

 

 

-

 

 

 

Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy.

 

Available-for-sale Securities. When quoted market prices are available in an active market, securities are classified within Level 1. The Company does not have Level 1 securities. If quoted market prices are not available, then fair values are estimated using pricing models, or quoted prices of securities with similar characteristics. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Level 2 securities include U.S. Government-sponsored enterprises, state and political subdivisions, other securities, mortgage-backed GSE residential securities and mortgage-backed other U.S. Government agencies. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy.

 

-33-

Nonrecurring Measurements. The following tables present the fair value measurement of assets measured at fair value on a nonrecurring basis and the level within the ASC 820 fair value hierarchy in which the fair value measurements fell at December 31 and June 30, 2019:

 

 

Fair Value Measurements at December 31 , 2019, Using:

 

 

 

 

 

Quoted Prices

 

 

Significant

 

 

 

 

 

 

 

 

in Active

 

 

Other

 

 

Significant

 

 

 

 

 

Markets for

 

 

Observable

 

 

Unobservable

 

 

 

 

 

Identical Assets

 

 

Inputs

 

 

Inputs

(dollars in thousands)

 

Fair Value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

Foreclosed and repossessed assets held for sale

$

553

 

$

-

 

$

-

 

$

553

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Fair Value Measurements at June 30, 2019, Using:

 

 

 

 

 

Quoted Prices

 

 

Significant

 

 

 

 

 

 

 

 

in Active

 

 

Other

 

 

Significant

 

 

 

 

 

Markets for

 

 

Observable

 

 

Unobservable

 

 

 

 

 

Identical Assets

 

 

Inputs

 

 

Inputs

(dollars in thousands)

 

Fair Value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

 

 

 

 

 

 

 

 

 

 

 

 

Foreclosed and repossessed assets held for sale

$

2,430

 

$

-

 

$

-

 

$

2,430

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The following table presents gains and (losses) recognized on assets measured on a non-recurring basis for the six-month periods ended December 31, 2019 and 2018:

 

 

 

 

For the six months ended

(dollars in thousands)

 

 

 

December 31, 2019

 

 

December 31, 2018

Foreclosed and repossessed assets held for sale

 

 

$

(96)

 

$

(222)

     Total (losses) gains on assets measured on a non-recurring basis

$

(96)

 

$

(222)

 

 

The following is a description of valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets and liabilities pursuant to the valuation hierarchy. For assets classified within Level 3 of fair value hierarchy, the process used to develop the reported fair value process is described below.

 

Foreclosed and Repossessed Assets Held for Sale. Foreclosed and repossessed assets held for sale are valued at the time the loan is foreclosed upon or collateral is repossessed and the asset is transferred to foreclosed or repossessed assets held for sale. The value of the asset is based on third party or internal appraisals, less estimated costs to sell and appropriate discounts, if any. The appraisals are generally discounted based on current and expected market conditions that may impact the sale or value of the asset and management’s knowledge and experience with similar assets. Such discounts typically may be significant and result in a Level 3 classification of the inputs for determining fair value of these assets. Foreclosed and repossessed assets held for sale are continually evaluated for additional impairment and are adjusted accordingly if impairment is identified.

 

-34-

Unobservable (Level 3) Inputs. The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements.

 

(dollars in thousands)

 

Fair

value at
December 31 , 2019

Valuation
technique

Unobservable
inputs

Range of
inputs
applied

Weighted-average
inputs applied

Nonrecurring Measurements

 

 

 

 

 

 

Foreclosed and repossessed

   assets

 

$553

Third party appraisal

Marketability discount

0.0% - 39.4%

11.2%

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Fair

value at
June 30, 2019

Valuation
technique

Unobservable
inputs

Range of
inputs
applied

Weighted-average
inputs applied

Nonrecurring Measurements

 

 

 

 

 

 

Foreclosed and repossessed

   assets

 

$2,430

Third party appraisal

Marketability discount

5.1% - 77.0%

35.2%

 

 

 

 

 

 

 

 

 

Fair Value of Financial Instruments. The following table presents estimated fair values of the Company’s financial instruments not reported at fair value and the level within the fair value hierarchy in which the fair value measurements fell at December 31 and June 30, 2019.

 

 

December 31, 2019

 

 

 

 

 

Quoted Prices

 

 

 

 

 

 

 

 

 

 

 

in Active

 

 

 

 

 

Significant

 

 

 

 

 

Markets for

 

 

Significant Other

 

 

Unobservable

 

 

Carrying

 

 

Identical Assets

 

 

Observable Inputs

 

 

Inputs

(dollars in thousands)

 

Amount

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

Financial assets

 

 

 

 

 

 

 

 

 

 

 

 Cash and cash equivalents

$

41,043

 

$

41,043

 

$

-

 

$

-

 Interest-bearing time deposits

 

972

 

 

-

 

 

972

 

 

-

 Stock in FHLB

 

8,172

 

 

-

 

 

8,172

 

 

-

 Stock in Federal Reserve Bank of St. Louis

 

4,350

 

 

-

 

 

4,350

 

 

-

 Loans receivable, net

 

1,922,785

 

 

-

 

 

-

 

 

1,921,273

 Accrued interest receivable

 

11,292

 

 

-

 

 

11,292

 

 

-

Financial liabilities

 

 

 

 

 

 

 

 

 

 

 

 Deposits

 

1,914,614

 

 

1,248,527

 

 

-

 

 

663,687

 Securities sold under agreements to
   repurchase

 

-

 

 

-

 

 

-

 

 

-

 Advances from FHLB

 

114,646

 

 

-

 

 

115,309

 

 

-

 Note payable

 

3,000

 

 

-

 

 

-

 

 

3,000

 Accrued interest payable

 

1,925

 

 

-

 

 

1,925

 

 

-

 Subordinated debt

 

15,093

 

 

-

 

 

-

 

 

14,579

Unrecognized financial instruments (net of

  contract amount)

 

 

 

 

 

 

 

 

 

 

 

 Commitments to originate loans

 

-

 

 

-

 

 

-

 

 

-

 Letters of credit

 

-

 

 

-

 

 

-

 

 

-

 Lines of credit

 

-

 

 

-

 

 

-

 

 

-

 

-35-

 

 

June 30, 2019

 

 

 

 

 

Quoted Prices

 

 

 

 

 

 

 

 

 

 

 

in Active

 

 

 

 

 

Significant

 

 

 

 

 

Markets for

 

 

Significant Other

 

 

Unobservable

 

 

Carrying

 

 

Identical Assets

 

 

Observable Inputs

 

 

Inputs

(dollars in thousands)

 

Amount

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

Financial assets

 

 

 

 

 

 

 

 

 

 

 

 Cash and cash equivalents

$

35,400

 

$

35,400

 

$

-

 

$

-

 Interest-bearing time deposits

 

969

 

 

-

 

 

969

 

 

-

 Stock in FHLB

 

5,233

 

 

-

 

 

5,233

 

 

-

 Stock in Federal Reserve Bank of St. Louis

 

4,350

 

 

-

 

 

4,350

 

 

-

 Loans receivable, net

 

1,846,405

 

 

-

 

 

-

 

 

1,823,040

 Accrued interest receivable

 

10,189

 

 

-

 

 

10,189

 

 

-

Financial liabilities

 

 

 

 

 

 

 

 

 

 

 

 Deposits

 

1,893,695

 

 

1,214,606

 

 

-

 

 

678,301

 Securities sold under agreements to
   repurchase

 

4,376

 

 

-

 

 

4,376

 

 

-

 Advances from FHLB

 

44,908

 

 

-

 

 

45,547

 

 

-

 Note payable

 

3,000

 

 

-

 

 

-

 

 

3,000

 Accrued interest payable

 

2,099

 

 

-

 

 

2,099

 

 

-

 Subordinated debt

 

15,043

 

 

-

 

 

-

 

 

15,267

Unrecognized financial instruments

   (net of contract amount)

 

 

 

 

 

 

 

 

 

 

 

 Commitments to originate loans

 

-

 

 

-

 

 

-

 

 

-

 Letters of credit

 

-

 

 

-

 

 

-

 

 

-

 Lines of credit

 

-

 

 

-

 

 

-

 

 

-

 

 

The following methods and assumptions were used in estimating the fair values of financial instruments:

 

Cash and cash equivalents and interest-bearing time deposits are valued at their carrying amounts, which approximates book value. Stock in FHLB and the Federal Reserve Bank of St. Louis is valued at cost, which approximates fair value. The fair value of loans is estimated on an exit price basis incorporating contractual cash flow, prepayments discount spreads, credit loss and liquidity premiums.  Loans with similar characteristics were aggregated for purposes of the calculations. The carrying amount of accrued interest approximates its fair value.

 

The fair value of fixed-maturity time deposits is estimated using a discounted cash flow calculation that applies the rates currently offered for deposits of similar remaining maturities. Non-maturity deposits and securities sold under agreements are valued at their carrying value, which approximates fair value. Fair value of advances from the FHLB is estimated by discounting maturities using an estimate of the current market for similar instruments. The fair value of subordinated debt and notes payable is estimated using rates currently available to the Company for debt with similar terms and maturities. The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. The carrying amount of notes payable approximates fair value.  For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and committed rates. The fair value of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date.  

 

-36-

Note 13:  Business Combinations

 

On January 17, 2020 the Company announced the signing of an agreement and plan of merger whereby Central Federal Bancshares, Inc. (“Central”), and its wholly owned subsidiary, Central Federal Savings and Loan Association (“Central Federal”), will be acquired by the Company in an all-cash transaction valued at approximately $24.0 million. At September 30, 2019, Central held consolidated assets of $69 million, loans, net of allowance, of $53 million, and deposits of $46 million. The transaction is expected to close late in the second quarter of calendar year 2020, subject to satisfaction of customary closing conditions, including regulatory and Central shareholder approvals.  The acquired financial institution is expected to be merged with and into Southern Bank shortly after or simultaneously with the acquisition of Central.  Through December 31, 2019, the Company incurred $25,000 of third-party acquisition-related costs, included in noninterest expense in the Company’s consolidated statement of income for the three- and six- month periods ended December 31, 2019.

 

-37-

PART I:  Item 2:  Management’s Discussion and Analysis of Financial Condition and Results of Operations

 

SOUTHERN MISSOURI BANCORP, INC.

 

General

 

Southern Missouri Bancorp, Inc. (Southern Missouri or Company) is a Missouri corporation and owns all of the outstanding stock of Southern Bank (the Bank). The Company’s earnings are primarily dependent on the operations of the Bank. As a result, the following discussion relates primarily to the operations of the Bank. The Bank’s deposit accounts are generally insured up to a maximum of $250,000 by the Deposit Insurance Fund (DIF), which is administered by the Federal Deposit Insurance Corporation (FDIC). At December 31, 2019, the Bank operated from its headquarters, 44 full-service branch offices, and two limited-service branch offices.  The Bank owns the office building and related land in which its headquarters are located, and 42 of its other branch offices.  The remaining four branches are either leased or partially owned.

 

The significant accounting policies followed by Southern Missouri Bancorp, Inc. and its wholly owned subsidiaries for interim financial reporting are consistent with the accounting policies followed for annual financial reporting. All adjustments, which are of a normal recurring nature and are in the opinion of management necessary for a fair statement of the results for the periods reported, have been included in the accompanying consolidated condensed financial statements.

 

The consolidated balance sheet of the Company as of June 30, 2019, has been derived from the audited consolidated balance sheet of the Company as of that date. Certain information and note disclosures normally included in the Company’s annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted. These consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s Form 10-K annual report filed with the Securities and Exchange Commission.

 

Management’s discussion and analysis of financial condition and results of operations is intended to assist in understanding the financial condition and results of operations of the Company. The information contained in this section should be read in conjunction with the unaudited consolidated financial statements and accompanying notes. The following discussion reviews the Company’s condensed consolidated financial condition at December 31, 2019, and results of operations for the three- and six- month periods ended December 31, 2019 and 2018.

 

Forward Looking Statements

 

This document contains statements about the Company and its subsidiaries which we believe are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements may include, without limitation, statements with respect to anticipated future operating and financial performance, growth opportunities, interest rates, cost savings and funding advantages expected or anticipated to be realized by management. Words such as “may,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “intend,” “plan” and similar expressions are intended to identify these forward-looking statements. Forward-looking statements by the Company and its management are based on beliefs, plans, objectives, goals, expectations, anticipations, estimates and intentions of management and are not guarantees of future performance. The important factors we discuss below, as well as other factors discussed under the caption “Management’s Discussion and Analysis of Financial Condition and Results of Operations” and identified in this filing and in our other filings with the SEC and those presented elsewhere by our management from time to time, could cause actual results to differ materially from those indicated by the forward-looking statements made in this document:

 

·expected cost savings, synergies and other benefits from our merger and acquisition activities, including our ongoing and recently completed acquisitions, might not be realized within the anticipated time frames, to the extent anticipated, or at all, and costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected; 

·the strength of the United States economy in general and the strength of the local economies in which we conduct operations; 

·fluctuations in interest rates and in real estate values; 

-38-

·monetary and fiscal policies of the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”) and the U.S. Government and other governmental initiatives affecting the financial services industry; 

·the risks of lending and investing activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for loan losses; 

·our ability to access cost-effective funding; 

·the timely development of and acceptance of our new products and services and the perceived overall value of these products and services by users, including the features, pricing and quality compared to competitors' products and services; 

·fluctuations in real estate values and both residential and commercial real estate markets, as well as agricultural business conditions; 

·demand for loans and deposits in our market area; 

·legislative or regulatory changes that adversely affect our business; 

·changes in accounting principles, policies, or guidelines; 

·results of examinations of us by our regulators, including the possibility that our regulators may, among other things, require us to increase our reserve for loan losses or to write-down assets; 

·the impact of technological changes; and 

·our success at managing the risks involved in the foregoing. 

 

The Company disclaims any obligation to update or revise any forward-looking statements based on the occurrence of future events, the receipt of new information, or otherwise.

 

Critical Accounting Policies

 

Accounting principles generally accepted in the United States of America are complex and require management to apply significant judgments to various accounting, reporting and disclosure matters. Management of the Company must use assumptions and estimates to apply these principles where actual measurement is not possible or practical. For a complete discussion of the Company’s significant accounting policies, see “Notes to the Consolidated Financial Statements” in the Company’s 2019 Annual Report. Certain policies are considered critical because they are highly dependent upon subjective or complex judgments, assumptions and estimates. Changes in such estimates may have a significant impact on the financial statements. Management has reviewed the application of these policies with the Audit Committee of the Company’s Board of Directors. For a discussion of applying critical accounting policies, see “Critical Accounting Policies” beginning on page 53 in the Company’s 2019 Annual Report.

 

Executive Summary  

 

Our results of operations depend primarily on our net interest margin, which is directly impacted by the interest rate environment. The net interest margin represents interest income earned on interest-earning assets (primarily real estate loans, commercial and agricultural loans, and the investment portfolio), less interest expense paid on interest-bearing liabilities (primarily interest-bearing transaction accounts, certificates of deposit, savings and money market deposit accounts, repurchase agreements, and borrowed funds), as a percentage of average interest-earning assets. Net interest margin is directly impacted by the spread between long-term interest rates and short-term interest rates, as our interest-earning assets, particularly those with initial terms to maturity or repricing greater than one year, generally price off longer term rates while our interest-bearing liabilities generally price off shorter term interest rates. This difference in longer term and shorter term interest rates is often referred to as the steepness of the yield curve. A steep yield curve – in which the difference in interest rates between short term and long term periods is relatively large – could be beneficial to our net interest income, as the interest rate spread between our interest-earning assets and interest-bearing liabilities would be larger. Conversely, a flat or flattening yield curve, in which the difference in rates between short term and long term periods is relatively small or shrinking, or an inverted yield curve, in which short term rates exceed long term rates, could have an adverse impact on our net interest income, as our interest rate spread could decrease.

 

Our results of operations may also be affected significantly by general and local economic and competitive conditions, particularly those with respect to changes in market interest rates, government policies and actions of regulatory authorities.

-39-

During the first six months of fiscal 2020, we grew our balance sheet by $97.4 million. Balance sheet growth was primarily attributable to loan growth, as loans, net of the allowance for loan losses, increased $76.4 million. Available-for-sale (AFS) securities increased $10.3 million, and cash equivalents and time deposits increased a combined $5.6 million. Deposits increased $20.9 million. During the fiscal year to date, the Company has experienced a decrease of $1.8 million in public unit deposits, and a decrease of $21.4 million in brokered certificates of deposit, partially offset by an increase of $11.8 million in brokered nonmaturity deposits. Securities sold under agreements to repurchase decreased by $4.4 million. Advances from the Federal Home Loan Bank (FHLB) increased $69.7 million, attributable to the Company’s use of this funding source to fund loan growth in excess of deposit growth and to replace brokered funding. Equity increased $10.5 million, attributable to retention of net income and an increase in other comprehensive income, partially offset by cash dividends and share repurchases.

 

Net income for the first six months of fiscal 2020 was $15.5 million, an increase of $1.3 million, or 9.1% as compared to the same period of the prior fiscal year. Compared to the year-ago period, the Company’s increase in net income was the result of increases in net interest income and noninterest income, partially offset by increases in noninterest expense, provision for income taxes, and provision for loan losses. Diluted net income available to common shareholders was $1.68 per share for the first six months of fiscal 2020, as compared to $1.57 per share for the same period of the prior fiscal year. For the first six months of fiscal 2020, net interest income increased $3.7 million, or 10.5%; noninterest income increased $950,000, or 12.7%; noninterest expense increased $2.6 million, or 11.0%, provision for income taxes increased $427,000, or 12.3%; and provision for loan losses increased $289,000, or 29.0%, as compared to the same period of the prior fiscal year. For more information see “Results of Operations.”

 

Interest rates during the first six months of fiscal 2020 generally moved lower, notably from early August to early September, before yields recovered somewhat later in the period. The yield curve inverted at times, before becoming more positively-sloped late in the period. At December 31, 2019, as compared to June 30, 2019, the yield on two-year treasuries dropped to 1.58% from 1.75%; the yield on five-year treasuries dropped to 1.69% from 1.76%; the yield on ten-year treasuries dropped to 1.92% from 2.00%; and the yield on 30-year treasuries dropped from 2.52% to 2.39%. The spread between two- and ten-year treasuries was little changed at period end, though it was much narrower for a good part of the period, and inverted briefly in late August. As compared to the first six months of the prior fiscal year, our average yield on earning assets increased by 17 basis points, primarily reflecting loans originated and renewed at higher market rates reflecting increases through December 2018 by the Federal Reserve’s Open Market Committee (FOMC), and partially offset by inclusion in the prior period’s results of larger benefits from discount accretion on acquired loan portfolios (see “Results of Operations: Comparison of the three-month periods ended December 31, 2019 and 2018 – Net Interest Income”). Our asset yields began to decline in the second quarter of fiscal 2020, however. The FOMC increased targeted overnight rates by 25 basis points in each of March, June, September, and December of 2018, and then lowered rates by 25 basis points in each of July, September, and October of 2019. While the Company’s cost of funds began to decline in the second quarter of fiscal 2020, the slope of the yield curve remains concerning. Our average cost of interest-bearing deposits increased by 31 basis points, and our average cost of interest-bearing liabilities increased 25 basis points, when comparing the current six-month period with the same period of the prior fiscal year.

 

Net interest income increased $3.7 million, or 10.5%, as the Company saw an increase of 12.1% in average interest earning assets, partially offset by a decline in the net interest margin. Our net interest margin decreased 5 basis points when comparing the first six months of fiscal 2020 to the same period of the prior fiscal year. The decrease was attributable primarily to an increased cost of funds and smaller benefits from the accretion of the discounts on acquired loans carried at fair value, partially offset by increased asset yields generally. Benefits attributable to accretion of discounts on acquired loans (partially offset by the accretion of discounts on assumed time deposits) resulting from the 2014 acquisition of Peoples Bank of the Ozarks (the Peoples Acquisition), the 2017 acquisition of Capaha Bank (the Capaha Acquisition), the February 2018 acquisition of Southern Missouri Bank of Marshfield (the SMB-Marshfield Acquisition), and the November 2018 acquisition of Gideon Bancshares Company and its subsidiary, First Commercial Bank (the Gideon Acquisition) totaled $1.0 million in the first six months of fiscal 2020, as compared to $1.7 million in the same period a year ago. In the current period, this component of net interest income contributed 10 basis points to the net interest margin, a decrease from a contribution of 18 basis points in the year-ago period. The dollar impact of this component of net interest income has generally been declining each sequential quarter as assets mature or prepay, particularly those acquired from the Peoples Acquisition and the Capaha Acquisition, though the Gideon Acquisition partially offsets that decline, as there was no comparable item for much of the same period a year ago. In the six-month period a year ago, resolution of particular acquired impaired credits from the Peoples Acquisition and the Capaha Acquisition resulted in notably higher levels of discount accretion. The

-40-

Company generally expects this component of net interest income to decline over time. Also, the Company recognized an additional $608,000 in interest income as a result of the resolution of nonperforming loans during the first six months of fiscal 2020. The recognition of interest income on these loans contributed six basis points to the net interest margin, without material comparable items in the year ago period.

 

The Company’s net income is also affected by the level of its noninterest income and noninterest expenses. Non-interest income generally consists primarily of deposit account service charges, bank card interchange income, loan-related fees, earnings on bank-owned life insurance, gains on sales of loans, and other general operating income. Noninterest expenses consist primarily of compensation and employee benefits, occupancy-related expenses, deposit insurance assessments, professional fees, advertising, postage and office expenses, insurance, bank card network expenses, the amortization of intangible assets, and other general operating expenses. During the six-month period ended December 31, 2019, noninterest income increased $950,000, or 12.7%, as compared to the same period of the prior fiscal year, attributable primarily to deposit account service charges, bank card interchange income, wealth management and insurance brokerage commissions, and gains realized on sales of residential loans originated for sale into the secondary market, partially offset by decreases in earnings on bank-owned life insurance, loan fees, and loan servicing income. Earnings on bank-owned life insurance decreased due to the inclusion in the prior period’s results of a nonrecurring benefit realized in that quarter. Noninterest expense for the three-month period ended December 31, 2019, increased $2.6 million, or 11.0%, as compared to the same period of the prior fiscal year. The increase was attributable primarily to increases in compensation and benefits, occupancy expenses, bank card network expense, and losses realized on disposition of fixed assets, partially offset by decreases in deposit insurance premiums and legal and professional fees. There was a limited amount of charges related to merger and acquisition activity in the current period, as compared to charges of $597,000 in the same period of the prior fiscal year.

 

Increases in net interest income, noninterest income, and noninterest expense were attributable in part to the Gideon Acquisition, which was completed in November 2018, and for which results of operations would be included in the full six-month period in the current fiscal year-to-date, while its results of operations were only included for a limited period of the prior fiscal year-to-date.

 

We expect, over time, to continue to grow our assets through the origination and occasional purchase of loans, and purchases of investment securities. The primary funding for this asset growth is expected to come from retail deposits, brokered funding, and short- and long-term FHLB borrowings. We have grown and intend to continue to grow deposits by offering desirable deposit products for our current customers and by attracting new depository relationships. We will also continue to explore strategic expansion opportunities in market areas that we believe will be attractive to our business model.

 

 

Comparison of Financial Condition at December 31 and June 30, 2019  

 

The Company experienced balance sheet growth in the six months of fiscal 2020, with total assets of $2.3 billion at December 31, 2019, reflecting an increase of $97.5 million, or 4.4%, as compared to June 30, 2019. Asset growth was comprised mainly of increases in loans and available-for-sale (“AFS”) securities.

 

Available-for-sale (AFS) securities were $175.8 million at December 31, 2019, an increase of $10.3 million, or 6.2%, as compared to June 30, 2019. Cash equivalents and time deposits were a combined $42.0 million, an increase of $5.6 million, or 15.5%, as compared to June 30, 2019.

 

Loans, net of the allowance for loan losses, were $1.9 billion at December 31, 2019, an increase of $76.4 million, or 4.1%, as compared to June 30, 2019. The portfolio primarily saw growth in residential real estate loans, funded balances in construction loans, commercial real estate loans, and consumer loans, partially offset by a small decline in commercial operating and equipment loans. Residential real estate loan balances were higher as the Company saw increases both in loans secured by one- to four-family real estate and multifamily real estate. Construction loan balances were increased as a result of both draws on existing construction loans and new loan originations. Commercial real estate loans were increased primarily due to loans secured by nonresidential properties, partially offset by decreases in loans secured by agricultural real estate. Growth in consumer loans consisted primarily of loans secured by deposits, and home equity line of credit balances. The decrease in commercial loan balances primarily reflected modest seasonal paydowns in agricultural operating loans, partially offset by a modest increase in other commercial and industrial loan balances.

-41-

Deposits were $1.9 billion at December 31, 2019, an increase of $20.9 million, or 1.1%, as compared to June 30, 2019. Deposit growth was partially offset by a reduction in brokered deposits, which declined on net by $9.6 million, reflecting a decrease in brokered time deposits of $21.4 million, and an increase in brokered money market deposits of $11.8 million. Brokered time deposits were $23.5 million, and brokered money market deposits were $20.1 million, at December 31, 2019. Our discussion of brokered deposits excludes those deposits originated through reciprocal arrangements, as our reciprocal deposits are primarily originated by our public unit depositors and utilized as an alternative to pledging securities against those deposits. Recently updated regulatory guidance, adopted following the May 2018 enactment of the Economic Growth, Regulatory Relief, and Consumer Protection Act (Senate Bill 2155), has generally exempted deposits originated through such reciprocal arrangements from classification as brokered deposits for regulatory purposes, subject to some limitations. Public unit balances were $265.0 million at December 31, 2019, a decrease of $1.8 million as compared to June 30, 2019. In total, deposit balances saw increases in interest-bearing transaction accounts, money market deposit accounts, and noninterest-bearing transaction accounts, partially offset by declines in certificates of deposit and savings accounts. The average loan-to-deposit ratio for the second quarter of fiscal 2020 was 100.4%, as compared to 101.4% for the same period of the prior fiscal year.

 

FHLB advances were $114.6 million at December 31, 2019, an increase of $69.7 million, or 155.3%, as compared to June 30, 2019, with the increase attributable to the Company’s use of this source to fund increases in loan and securities balances in excess of our increases in deposits and retained earnings. The Company’s loan and deposit portfolios typically experience some seasonality, and the increase in FHLB advances would not be expected to continue into the March quarter. The increase consisted of $65.9 million in overnight funding and $4.0 million in term advances. Over the past several years, the Company has worked to move public unit and business customers from a swept repurchase agreement product, which required the use of the Company’s AFS securities portfolio to collateralize those borrowings, to a reciprocal deposit product. During the first quarter of fiscal 2020, the final customers utilizing the sweep product were migrated, and the Company saw a reduction of $4.4 million in this funding source as compared to June 30, 2019.

 

The Company’s stockholders’ equity was $248.9 million at December 31, 2019, an increase of $10.5 million, or 4.4%, as compared to June 30, 2019. The increase was attributable primarily to retained earnings, and an increase in accumulated other comprehensive income, which was due to a decrease in market interest rates, partially offset by cash dividends paid and by repurchases of 86,050 Company shares, acquired for $2.8 million, for an average price of $32.70 per share.

 

 

Average Balance Sheet, Interest, and Average Yields and Rates for the Three- and Six- Month Periods Ended

December 31, 2019 and 2018

 

The tables below present certain information regarding our financial condition and net interest income for the three- and six- month periods ended December 31, 2019 and 2018. The tables present the annualized average yield on interest-earning assets and the annualized average cost of interest-bearing liabilities. We derived the yields and costs by dividing annualized income or expense by the average balance of interest-earning assets and interest-bearing liabilities, respectively, for the periods shown. Yields on tax-exempt obligations were not computed on a tax equivalent basis.

-42-

 

Three-month period ended

 

 

Three-month period ended

 

 

December 31, 2019

 

 

December 31, 2018

 

(dollars in thousands)

 

Average

Balance

 

 

 

Interest and

Dividends

 

Yield/

Cost (%)

 

 

 

Average

Balance

 

 

 

Interest and

Dividends

 

 

Yield/

Cost (%)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Mortgage loans (1)

$

1,457,036

 

 

$

19,018

 

5.22

 

 

$

1,348,479

 

 

$

17,413

 

 

5.17

 

  Other loans (1)

 

446,194

 

 

 

6,403

 

5.74

 

 

 

395,674

 

 

 

5,372

 

 

5.43

 

      Total net loans

 

1,903,230

 

 

 

25,421

 

5.34

 

 

 

1,744,153

 

 

 

22,785

 

 

5.23

 

  Mortgage-backed securities

 

118,986

 

 

 

691

 

2.32

 

 

 

99,089

 

 

 

649

 

 

2.62

 

  Investment securities (2)

 

64,762

 

 

 

503

 

3.11

 

 

 

100,796

 

 

 

738

 

 

2.93

 

  Other interest earning assets

 

6,322

 

 

 

31

 

1.99

 

 

 

4,020

 

 

 

35

 

 

3.48

 

        Total interest earning assets (1)

 

2,093,300

 

 

 

26,646

 

5.09

 

 

 

1,948,058

 

 

 

24,207

 

 

4.97

 

Other noninterest earning assets (3)

 

184,028

 

 

 

-

 

 

 

 

 

164,815

 

 

 

-

 

 

 

 

            Total assets

$

2,277,328

 

 

 

$26,646

 

 

 

 

$

2,112,873

 

 

$

24,207

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

   Savings accounts

$

162,778

 

 

 

324

 

0.80

 

 

$

158,983

 

 

 

282

 

 

0.71

 

   NOW accounts

 

640,420

 

 

 

1,652

 

1.03

 

 

 

567,328

 

 

 

1,383

 

 

0.98

 

   Money market deposit accounts

 

202,943

 

 

 

810

 

1.60

 

 

 

150,078

 

 

 

476

 

 

1.27

 

   Certificates of deposit

 

668,057

 

 

 

3,662

 

2.19

 

 

 

616,944

 

 

 

2,784

 

 

1.81

 

      Total interest bearing deposits  

 

1,674,198

 

 

 

6,448

 

1.54

 

 

 

1,493,333

 

 

 

4,925

 

 

1.32

 

Borrowings:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

   Securities sold under agreements
     to repurchase

 

-

 

 

 

-

 

-

 

 

 

3,573

 

 

 

8

 

 

0.90

 

   FHLB advances

 

99,728

 

 

 

573

 

2.30

 

 

 

146,010

 

 

 

932

 

 

2.55

 

   Note Payable

 

3,000

 

 

 

34

 

4.50

 

 

 

3,957

 

 

 

48

 

 

4.85

 

   Subordinated debt

 

15,080

 

 

 

214

 

5.67

 

 

 

14,982

 

 

 

226

 

 

6.03

 

      Total interest bearing liabilities

 

1,792,006

 

 

 

7,269

 

1.62

 

 

 

1,661,855

 

 

 

6,139

 

 

1.48

 

Noninterest bearing demand deposits

 

222,187

 

 

 

-

 

 

 

 

 

226,559

 

 

 

-

 

 

 

 

Other noninterest bearing liabilities

 

17,533

 

 

 

-

 

 

 

 

 

9,816

 

 

 

-

 

 

 

 

      Total liabilities

 

2,031,726

 

 

 

7,269

 

 

 

 

 

1,898,230

 

 

 

6,139

 

 

 

 

Stockholders’ equity

 

245,602

 

 

 

-

 

 

 

 

 

214,643

 

 

 

-

 

 

 

 

            Total liabilities and
              stockholders' equity

$

2,277,328

 

 

 

$7,269

 

 

 

 

$

2,112,873

 

 

$

6,139

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income  

 

 

 

 

$

19,377

 

 

 

 

 

 

 

 

$

18,068

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest rate spread (4)

 

 

 

 

 

 

 

3.47

%

 

 

 

 

 

 

 

 

 

3.49

%

Net interest margin (5)

 

 

 

 

 

 

 

3.70

%

 

 

 

 

 

 

 

 

 

3.71

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ratio of average interest-earning

  assets to average interest-bearing

  liabilities

 

116.81

%

 

 

 

 

 

 

 

 

117.22

%

 

 

 

 

 

 

 

 

(1)Calculated net of deferred loan fees, loan discounts and loans-in-process. Non-accrual loans are not included in average loans. 

(2)Includes FHLB and Federal Reserve Bank of St. Louis membership stock and related cash dividends. 

(3)Includes average balances for fixed assets and BOLI of $65.5 million and $38.7 million, respectively, for the three-month period ended December 31, 2019, as compared to $60.7 million and $37.7 million, respectively, for the same period of the prior fiscal year. 

(4)Interest rate spread represents the difference between the average rate on interest-earning assets and the average cost of interest-bearing liabilities. 

(5)Net interest margin represents annualized net interest income divided by average interest-earning assets. 

-43-

 

Six-month period ended

 

 

Six-month period ended

 

 

December 31, 2019

 

 

December 31, 2018

 

(dollars in thousands)

 

Average

Balance

 

 

 

Interest and

Dividends

 

 

Yield/

Cost (%)

 

 

 

Average

Balance

 

 

Interest and

Dividends

 

Yield/

Cost (%)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Mortgage loans (1)

$

1,438,787

 

 

$

38,084

 

 

5.29

 

 

$

1,290,995

 

$

33,089

 

5.13

 

  Other loans (1)

 

445,500

 

 

 

12,976

 

 

5.83

 

 

 

373,952

 

 

10,612

 

5.68

 

      Total net loans

 

1,884,287

 

 

 

51,060

 

 

5.42

 

 

 

1,664,947

 

 

43,701

 

5.25

 

  Mortgage-backed securities

 

116,300

 

 

 

1,408

 

 

2.42

 

 

 

96,699

 

 

1,232

 

2.55

 

  Investment securities (2)

 

65,385

 

 

 

1,023

 

 

3.13

 

 

 

84,020

 

 

1,255

 

2.99

 

  Other interest earning assets

 

6,662

 

 

 

77

 

 

2.32

 

 

 

3,608

 

 

61

 

3.38

 

        Total interest earning assets (1)

 

2,072,634

 

 

 

53,568

 

 

5.17

 

 

 

1,849,274

 

 

46,249

 

5.00

 

Other noninterest earning assets (3)

 

184,222

 

 

 

-

 

 

 

 

 

 

157,426

 

 

-

 

 

 

            Total assets

$

2,256,856

 

 

$

53,568

 

 

 

 

 

$

2,006,700

 

$

46,249

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

   Savings accounts

$

164,990

 

 

 

670

 

 

0.81

 

 

$

156,144

 

 

525

 

0.67

 

   NOW accounts

 

632,157

 

 

 

3,358

 

 

1.06

 

 

 

557,676

 

 

2,644

 

0.95

 

   Money market deposit accounts

 

199,840

 

 

 

1,613

 

 

1.61

 

 

 

135,194

 

 

820

 

1.21

 

   Certificates of deposit

 

670,609

 

 

 

7,385

 

 

2.20

 

 

 

579,438

 

 

4,945

 

1.71

 

      Total interest bearing deposits  

 

1,667,596

 

 

 

13,026

 

 

1.56

 

 

 

1,428,452

 

 

8,934

 

1.25

 

Borrowings:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

   Securities sold under agreements
     to repurchase

 

164

 

 

 

-

 

 

0.03

 

 

 

3,611

 

 

16

 

0.88

 

   FHLB advances

 

90,960

 

 

 

1,095

 

 

2.41

 

 

 

125,546

 

 

1,531

 

2.44

 

   Note Payable

 

3,000

 

 

 

71

 

 

4.69

 

 

 

3,478

 

 

83

 

-

 

   Subordinated debt

 

15,068

 

 

 

439

 

 

5.83

 

 

 

14,969

 

 

450

 

6.01

 

      Total interest bearing liabilities

 

1,776,788

 

 

 

14,631

 

 

1.65

 

 

 

1,576,056

 

 

11,014

 

1.40

 

Noninterest bearing demand deposits

 

220,471

 

 

 

-

 

 

 

 

 

 

211,621

 

 

-

 

 

 

Other noninterest bearing liabilities

 

16,774

 

 

 

-

 

 

 

 

 

 

9,985

 

 

-

 

 

 

      Total liabilities

 

2,014,033

 

 

 

14,631

 

 

 

 

 

 

1,797,662

 

 

11,014

 

 

 

Stockholders’ equity

 

242,823

 

 

 

-

 

 

 

 

 

 

209,038

 

 

-

 

 

 

            Total liabilities and
              stockholders' equity

$

2,256,856

 

 

$

14,631

 

 

 

 

 

$

2,006,700

 

$

11,014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income  

 

 

 

 

$

38,937

 

 

 

 

 

 

 

 

$

35,235

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest rate spread (4)

 

 

 

 

 

 

 

 

3.52

%

 

 

 

 

 

 

 

3.60

%

Net interest margin (5)

 

 

 

 

 

 

 

 

3.76

%

 

 

 

 

 

 

 

3.81

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ratio of average interest-earning

  assets to average interest-bearing

  liabilities

 

116.65

%

 

 

 

 

 

 

 

 

 

117.34

%

 

 

 

 

 

 

(1)Calculated net of deferred loan fees, loan discounts and loans-in-process. Non-accrual loans are not included in average loans. 

(2)Includes FHLB and Federal Reserve Bank of St. Louis membership stock and related cash dividends. 

(3)Includes average balances for fixed assets and BOLI of $64.3 million and $38.6 million, respectively, for the six-month period ended December 31, 2019, as compared to $57.7 million and $37.7 million, respectively, for the same period of the prior fiscal year. 

(4)Interest rate spread represents the difference between the average rate on interest-earning assets and the average cost of interest-bearing liabilities. 

(5)Net interest margin represents annualized net interest income divided by average interest-earning assets. 

-44-

Rate/Volume Analysis

 

The following table sets forth the effects of changing rates and volumes on the Company’s net interest income for the three- and six- month periods ended December 31, 2019, compared to the three- and six- month periods ended December 31, 2018. Information is provided with respect to (i) effects on interest income and expense attributable to changes in volume (changes in volume multiplied by the prior rate), (ii) effects on interest income and expense attributable to change in rate (changes in rate multiplied by prior volume), and (iii) changes in rate/volume (change in rate multiplied by change in volume).

 

 

 

Three-month period ended December 31, 2019

 

 

Compared to three-month period ended December 31, 2018

 

 

Increase (Decrease) Due to

 

 

 

 

 

 

 

 

Rate/

 

 

 

(dollars in thousands)

 

Rate

 

Volume

 

Volume

 

Net

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earnings assets:

 

 

 

 

 

 

 

 

 

 

 

 

  Loans receivable (1)

 

$

511

 

$

2,078

 

$

47

 

$

2,636

  Mortgage-backed securities

 

 

(73)

 

 

130

 

 

(15)

 

 

42

  Investment securities (2)

 

 

45

 

 

(264)

 

 

(16)

 

 

(235)

  Other interest-earning deposits

 

 

(16)

 

 

21

 

 

(9)

 

 

(4)

Total net change in income on

 

 

 

 

 

 

 

 

 

 

 

 

  interest-earning assets

 

 

467

 

 

1,965

 

 

7

 

 

2,439

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

  Deposits

 

 

835

 

 

584

 

 

104

 

 

1,523

  Securities sold under

 

 

 

 

 

 

 

 

 

 

 

 

    agreements to repurchase

 

 

-

 

 

(8)

 

 

-

 

 

(8)

  Subordinated debt

 

 

(14)

 

 

1

 

 

1

 

 

(12)

  Note Payable

 

 

(3)

 

 

(12)

 

 

1

 

 

(14)

  FHLB advances

 

 

(93)

 

 

(295)

 

 

29

 

 

(359)

Total net change in expense on

 

 

 

 

 

 

 

 

 

 

 

 

  interest-bearing liabilities

 

 

725

 

 

270

 

 

135

 

 

1,130

Net change in net interest income

 

$

(258)

 

$

1,695

 

$

(128)

 

$

1,309

 

 

 

Six-month period ended December 31, 2019

 

 

Compared to six-month period ended December 31, 2018

 

 

Increase (Decrease) Due to

 

 

 

 

 

 

 

 

Rate/

 

 

 

(dollars in thousands)

 

Rate

 

Volume

 

Volume

 

Net

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earnings assets:

 

 

 

 

 

 

 

 

 

 

 

 

  Loans receivable (1)

 

$

1,363

 

$

5,818

 

$

178

 

$

7,359

  Mortgage-backed securities

 

 

(62)

 

 

250

 

 

(12)

 

 

176

  Investment securities (2)

 

 

58

 

 

(279)

 

 

(11)

 

 

(232)

  Other interest-earning deposits

 

 

(19)

 

 

52

 

 

(17)

 

 

16

Total net change in income on

 

 

 

 

 

 

 

 

 

 

 

 

  interest-earning assets

 

 

1,340

 

 

5,841

 

 

138

 

 

7,319

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

  Deposits

 

 

2,137

 

 

1,553

 

 

402

 

 

4,092

  Securities sold under

 

 

 

 

 

 

 

 

 

 

 

 

    agreements to repurchase

 

 

(15)

 

 

(15)

 

 

14

 

 

(16)

  FHLB advances

 

 

(20)

 

 

(422)

 

 

6

 

 

(436)

  Note Payable

 

 

(2)

 

 

(11)

 

 

1

 

 

(12)

  Subordinated debt

 

 

(14)

 

 

3

 

 

-

 

 

(11)

Total net change in expense on

 

 

 

 

 

 

 

 

 

 

 

 

  interest-bearing liabilities

 

 

2,086

 

 

1,108

 

 

423

 

 

3,617

Net change in net interest income

 

$

(746)

 

$

4,733

 

$

(285)

 

$

3,702

 

(1)Does not include interest on loans placed on nonaccrual status. 

(2)Does not include dividends earned on equity securities. 

-45-

Results of Operations – Comparison of the three-month periods ended December 31, 2019 and 2018

 

General. Net income for the three-month period ended December 31, 2019, was $7.7 million, an increase of $263,000, or 3.5%, as compared to the same period of the prior fiscal year.  The increase was attributable to increased net interest income and noninterest income, partially offset by increases in noninterest expense, provision for income taxes, and provision for loan losses.

 

For the three-month period ended December 31, 2019, basic and fully-diluted net income per share available to common shareholders was $0.84 under both measures, as compared to $0.82 basic and $0.81 diluted net income per share available common shareholders for the same period of the prior fiscal year, which represented increases of $0.02, or 2.4%, and $0.03, or 3.7%, respectively. Our annualized return on average assets for the three-month period ended December 31, 2019, was 1.36%, as compared to 1.41% for the same period of the prior fiscal year. Our return on average common stockholders’ equity for the three-month period ended December 31, 2019, was 12.6%, as compared to 13.9% in the same period of the prior fiscal year.

 

Net Interest Income. Net interest income for the three-month period ended December 31, 2019, was $19.4 million, an increase of $1.3 million, or 7.2%, as compared to the same period of the prior fiscal year. The increase was attributable primarily to a 7.5% increase in the average balance of interest-earning assets, partially offset by a decrease in net interest margin to 3.70% in the current three-month period, from 3.71% in the three-month period a year ago. Our net interest margin is determined by dividing annualized net interest income by total average interest-earning assets.

 

Loan discount accretion and deposit premium amortization related to the Peoples Acquisition, the Capaha Acquisition, the SMB-Marshfield Acquisition, and the Gideon Acquisition resulted in an additional $525,000 in net interest income for the three-month period ended December 31, 2019, as compared to $467,000 in net interest income for the same period a year ago. In the year ago period, there was limited accretion from the Gideon Acquisition, which did not close until mid-period in the second quarter of fiscal 2019, while the amount of accretion recognized from other acquisitions has declined, as expected, over time. Combined, these components of net interest income contributed ten basis points to net interest margin in the three-month period ended December 31, 2019, unchanged from the contribution in the same period of the prior fiscal year, and unchanged as compared to the linked quarter, ended September 30, 2019, when net interest margin was 3.81%. Over the longer term, the Company expects this component of net interest income to decline, although volatility may occur to the extent that we have periodic resolutions of specific credit impaired loans. Also, the Company recognized an additional $194,000 in interest income as a result of the resolution of nonperforming loans during the current period. This recognition of interest income contributed four basis points to the net interest margin in the current period, without material comparable items in the year ago period. In the linked quarter, ended September 30, 2019, the Company recognized $414,000 in interest income as a result of the resolution of similar nonperforming loans, and the resulting contribution to the net interest margin was eight basis points.

 

For the three-month period ended December 31, 2019, our net interest rate spread was 3.47%, as compared to 3.49% in the year-ago period. The decrease in net interest rate spread, compared to the same period a year ago, resulted from a 14 basis point increase in the average cost of interest-earning liabilities, partially offset by a 12 basis point increase in the average yield on interest-earning assets.

 

Interest Income. Total interest income for the three-month period ended December 31, 2019, was $26.6 million, an increase of $2.4 million, or 10.1%, as compared to the same period of the prior fiscal year. The increase was attributed to a 7.5% increase in the average balance of interest-earning assets, combined with a 12 basis point increase in the average yield earned on interest-earning assets, as compared to the same period of the prior fiscal year. Increased average interest-earning balances were attributable to growth in the loan portfolio, while investment balances decreased. The increase in the average yield on interest-earning assets was primarily attributable to origination and renewals of loans at higher market rates over recent periods, as well as to the recognition of interest on some loans previously treated as nonaccrual, discussed above.

 

Interest Expense. Total interest expense for the three-month period ended December 31, 2019, was $7.3 million, an increase of $1.1 million, or 18.4%, as compared to the same period of the prior fiscal year. The increase was attributable to a 14 basis point increase in the average cost of interest-bearing liabilities, combined with a 7.8% increase in the average balance of interest-bearing liabilities, as compared to the same period of the prior fiscal year. The increase in the average cost of interest-bearing liabilities was attributable primarily to origination and renewals of certificates of deposit at higher market rates over recent periods, as well as to market rates for money market

-46-

deposit accounts that have remained above the rates paid during the same period of the prior fiscal year, partially offset by a shift in the composition of interest-bearing liabilities away from FHLB borrowings, which are carried at a higher cost than interest-bearing deposits. Increased average interest-bearing balances were attributable primarily to increases in interest-bearing transaction accounts, money market deposit accounts, and certificates of deposit, partially offset by lower FHLB and repurchase agreement balances.

 

Provision for Loan Losses. The provision for loan losses for the three-month period ended December 31, 2019, was $388,000, as compared to $314,000 in the same period of the prior fiscal year. Increased provisioning was attributed primarily to higher net charge offs and increased loan growth, partially offset by a decrease in the required allowance attributable to nonperforming, classified, and delinquent loans. As a percentage of average loans outstanding, the provision for loan losses in the current three-month period represented a charge of 0.08% (annualized), while the Company recorded net charge offs during the period of 0.06% (annualized). During the same period of the prior fiscal year, the provision for loan losses as a percentage of average loans outstanding represented a charge of 0.07% (annualized), while the Company recorded net charge offs of 0.02% (annualized). (See “Critical Accounting Policies”, “Allowance for Loan Loss Activity” and “Nonperforming Assets”).

 

Noninterest Income. The Company’s noninterest income for the three-month period ended December 31, 2019, was $4.3 million, an increase of $280,000, or 6.9%, as compared to the same period of the prior fiscal year. Increases in deposit account service charges, wealth management and insurance brokerage commissions, bank card interchange income, and gains realized on sales of residential loans originated for sale into the secondary market were partially offset by a decrease in mortgage servicing income. Further, the prior period’s results included non-recurring items totaling $406,000, consisting of a benefit related to bank-owned life insurance, and a gain on the sale of stock in a banker’s bank acquired in a previous acquisition. Deposit account service charges increased primarily as a result of an increase in the number of NSF items presented, due in part to the Gideon Acquisition, as well as a 12% increase in per-item NSF charges effective October 1, 2019. Wealth management and insurance brokerage commissions increased as a result of the establishment or acquisition of these new business lines for the Company. Bank card interchange income increased as a result of an increase in bank card transactions, attributable in part to the Gideon Acquisition. Gains realized on sales of residential loans originated for sale into the secondary market increased as a result of an increase in the volume of originations, as well as a shift in the loan mix to more profitable products. Mortgage servicing income was decreased due primarily to faster prepayments of serviced loans.

 

Noninterest Expense. Noninterest expense for the three-month period ended December 31, 2019, was $13.7 million, an increase of $1.1 million, or 9.0%, as compared to the same period of the prior fiscal year. The increase was attributable primarily to increases in compensation and benefits, occupancy expenses, bank card network expense, losses on disposition of fixed assets, and provisioning for off-balance sheet credit exposures, partially offset by a decrease in deposit insurance premiums. Noninterest expenses generally continued to see year-over-year increases as a result of additional staff, facilities, data processing and other expenses following the Gideon Acquisition. A non-recurring loss on the disposition of fixed assets of $327,000 was attributable to the sale of two bank facilities acquired in the Gideon Acquisition which were no longer in service. The Company typically books seasonal increases in available lines of credit around calendar year end, and at December 31, 2019, we also saw an increase due to available lines on construction lines of credit. As a result, the Company saw a significant increase in its off-balance sheet credit exposure, resulting in a charge of $362,000 in the current period, as compared to a charge of $162,000 in the year ago period. Partially offsetting these increases, the FDIC continued applying credits to the deposit insurance assessments due from smaller banks, such as the Company’s subsidiary, resulting in no deposit insurance premium expense for the Company in the current quarter, as compared to an expense of $145,000 in the year ago period. Provided the deposit insurance fund ratio remains above 1.35%, the Company would expect to continue to recognize a relatively small expense for deposit insurance premiums in the quarter which will end March 31, 2020, before the expense returns to a normalized level for the quarter ended June 30, 2020. After recording $422,000 in charges related to merger and acquisition activity in the same quarter a year ago, the Company recorded only $25,000 in comparable expenses in the current period. The efficiency ratio for the three-month period ended December 31, 2019, was 57.7%, as compared to 56.7% in the same period of the prior fiscal year.

 

Income Taxes. The income tax provision for the three-month period ended December 31, 2019, was $1.9 million, an increase of $119,000, or 6.6%, as compared to the same period of the prior fiscal year, attributable primarily to higher pre-tax income and an increase in the effective tax rate, to 19.9%, as compared to 19.5% in the year-ago period.

-47-

Results of Operations – Comparison of the six-month periods ended December 31, 2019 and 2018

 

General. Net income for the six-month period ended December 31, 2019, was $15.5 million, an increase of $1.3 million, or 9.1%, as compared to the same period of the prior fiscal year. The increase was attributable to increases in net interest income and noninterest income, partially offset by increases in noninterest expense, provision for income taxes, and provision for loan losses.

 

For the six-month period ended December 31, 2019, basic and fully-diluted net income per share were $1.69 and $1.68, respectively, as compared to $1.57 under both measures for the same period of the prior fiscal year, which represented increases of $0.12, or 7.6%, and $0.11, or 7.0%, respectively. Our annualized return on average assets for the six-month period ended December 31, 2019, was 1.38%, as compared to 1.42% for the same period of the prior fiscal year. Our return on average common stockholders’ equity for the six-month period ended December 31, 2019, was 12.8%, as compared to 13.6% in the same period of the prior fiscal year.

 

Net Interest Income. Net interest income for the six-month period ended December 31, 2019, was $38.9 million, an increase of $3.7 million, or 10.5%, as compared to the same period of the prior fiscal year. The increase was attributable to a 12.1% increase in the average balance of interest-earning assets, partially offset by a decrease in net interest margin to 3.76% in the current six-month period, from 3.81% in the six-month period a year ago. Our net interest margin is determined by dividing annualized net interest income by total average interest-earning assets.

 

Loan discount accretion and deposit premium amortization related to the Peoples Acquisition, the Capaha Acquisition, the SMB-Marshfield Acquisition, and the Gideon Acquisition resulted an additional $1.0 million in net interest income for the six-month period ended December 31, 2019, as compared to $1.7 million in net interest income for the same period a year ago. In the current six-month period, this component of net interest income contributed 10 basis points to the net interest margin, a decrease from a contribution of 18 basis points in the year-ago period. The dollar impact of this component of net interest income has generally been declining each sequential quarter as assets mature or prepay, particularly those acquired from the Peoples Acquisition and the Capaha Acquisition, though the Gideon Acquisition partially offsets that decline, as there was no comparable item for much of the same period a year ago. In the same period a year ago, resolution of particular acquired impaired credits from the Peoples Acquisition and the Capaha acquisition resulted in notably higher levels of discount accretion in that period. The Company generally expects this component of net interest income to decline. Also, the Company recognized an additional $608,000 in interest income as a result of the resolution of nonperforming loans during the current six-month period. This recognition of interest income contributed six basis points to the net interest margin in the current six-month period, without material comparable items in the year ago period.

 

For the six-month period ended December 31, 2019, our net interest spread was 3.52%, as compared to 3.60% in the six-month period a year ago. The decrease in net interest rate spread, compared to the same period a year ago, resulted from a 25 basis point increase in the average cost of interest-bearing liabilities, partially offset by a 17 basis point increase in the average yield on interest-earning assets.

 

Interest Income. Total interest income for the six-month period ended December 31, 2019, was $53.6 million, an increase of $7.3 million, or 15.8%, as compared to the same period of the prior fiscal year. The increase was attributed to a 12.1% increase in the average balance of interest-earning assets, combined with a 17 basis point increase in the average yield earned on interest-earning assets, as compared to the same period of the prior fiscal year. Increased average interest-earning balances were attributable primarily to growth in the loan portfolio, including organic growth and growth through acquisitions, while investment balances were little changed. The increase in the average yield on interest-earning assets was attributable primarily to originations and renewals of loans at higher market rates over recent periods, as well as the impact of interest income recognized as a result of the resolution of nonperforming loans during the current six-month period, discussed above.

 

Interest Expense. Total interest expense for the six-month period ended December 31, 2019, was $14.6 million, an increase of $3.6 million, or 32.8%, as compared to the same period of the prior fiscal year. The increase was attributable to a 25 basis point increase in the average cost of interest-bearing liabilities, combined with a 12.7% increase in the average balance of interest-bearing liabilities, as compared to the same period of the prior fiscal year. The increase in the average cost of interest-bearing liabilities was attributable primarily to origination and renewals of certificates of deposit at higher market rates over recent periods, as well as to market rates for money market deposit accounts and savings accounts that have remained above the rates paid during the same period of the prior fiscal year, partially offset by a shift in the composition of interest-bearing liabilities away from FHLB borrowings, which are carried at a higher cost than interest-bearing deposits. Increased average interest-bearing balances were

-48-

attributable primarily to increases in certificates of deposit, interest-bearing transaction accounts, and money market deposit accounts, partially offset by lower FHLB and repurchase agreement balances.

 

Provision for Loan Losses. The provision for loan losses for the six-month period ended December 31, 2019, was $1.3 million, as compared to $1.0 million in the same period of the prior fiscal year. Increased provisioning was attributed primarily to higher, though still relatively low levels of net charge offs, partially offset by reduced loan growth. As a percentage of average loans outstanding, the provision for loan losses in the current six-month period represented a charge of 0.14% (annualized), while the Company recorded net charge offs during the period of 0.04% (annualized). During the same period of the prior fiscal year, provision for loan losses as a percentage of average loans outstanding represented a charge of 0.12% (annualized), while the Company recorded net charge offs of 0.02% (annualized). (See “Critical Accounting Policies”, “Allowance for Loan Loss Activity” and “Nonperforming Assets”).

 

Noninterest Income. The Company’s noninterest income for the six-month period ended December 31, 2019, was $8.4 million, an increase of $950,000, or 12.7%, as compared to the same period of the prior fiscal year. Increases in deposit account service charges, bank card interchange income, wealth management and insurance brokerage commissions, and gains realized on sales of residential loans originated for sale into the secondary market were partially offset by a decrease in other loan fees and mortgage servicing income. Further, the prior period’s results included non-recurring items totaling $406,000, consisting of a benefit related to bank-owned life insurance, and a gain on the sale of stock in a banker’s bank acquired in a previous acquisition. Deposit account service charges increased primarily as a result of an increase in the number of NSF items presented, due in part to the Gideon Acquisition, as well as a 12% increase in per-item NSF charges effective October 1, 2019. Bank card interchange income increased as a result of an increase in bank card transactions, attributable in part to the Gideon Acquisition. Wealth management and insurance brokerage commissions increased as a result of the establishment or acquisition of these new business lines for the Company. Gains realized on sales of residential loans originated for sale into the secondary market increased as a result of an increase in the volume of originations, as well as a shift in the loan mix to more profitable products. Other loan fees declined on lower prepayment penalties and loan application fees. Mortgage servicing income was decreased due primarily to faster prepayments of serviced loans.

 

Noninterest Expense. Noninterest expense for the six-month period ended December 31, 2019, was $26.6 million, an increase of $2.6 million, or 11.0%, as compared to the same period of the prior fiscal year. The increase was attributable primarily to increases in compensation and benefits, occupancy expenses, bank card network expense, and other expenses, including losses on the disposition of fixed assets. Noninterest expenses generally continued to see year-over-year increases as a result of additional staff, facilities, data processing and other expenses following the Gideon Acquisition. A non-recurring loss on the disposition of fixed assets of $327,000 was attributable to the sale of two bank facilities acquired in the Gideon Acquisition which were no longer in service. Partially offsetting these increases, the FDIC continued applying credits to the deposit insurance assessments due from smaller banks, such as the Company’s subsidiary, resulting in no deposit insurance premium expense for the Company in the current quarter, as compared to an expense of $283,000 in the year ago period. After recording $595,000 in charges related to merger and acquisition activity in the same quarter a year ago, the Company recorded only $25,000 in comparable expenses in the current period. The efficiency ratio for the six-month period ended December 31, 2019, was 56.3%, as compared to 56.2% in the same period of the prior fiscal year.

 

Income Taxes. The income tax provision for the six-month period ended December 31, 2019, was $3.9 million, an increase of $427,000, or 12.3%, as compared to the same period of the prior fiscal year, attributable primarily to an increase in the effective tax rate, to 20.0%, as compared to 19.6% in the year-ago period. The higher effective tax rate was attributed to increases in pre-tax income without corresponding increases in tax-advantaged investments.

 

Allowance for Loan Loss Activity  

 

The Company regularly reviews its allowance for loan losses and makes adjustments to its balance based on management’s analysis of the loan portfolio, the amount of non-performing and classified loans, as well as general economic conditions. Although the Company maintains its allowance for loan losses at a level that it considers sufficient to provide for losses, there can be no assurance that future losses will not exceed internal estimates. In addition, the amount of the allowance for loan losses is subject to review by regulatory agencies, which can order the establishment of additional loss provision. The following table summarizes changes in the allowance for loan losses over the three- and six- month periods ended December 31, 2019 and 2018:

-49-

 

For the three months ended

 

For the six months ended

 

December 31,

 

December 31,

(dollars in thousands)

 

2019

 

 

2018

 

 

2019

 

 

2018

 

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

$

20,710

 

$

18,790

 

$

19,903

 

$

18,214

Loans charged off:

 

 

 

 

 

 

 

 

 

 

 

     Residential real estate

 

(172)

 

 

(9)

 

 

(172)

 

 

(9)

     Construction

 

-

 

 

-

 

 

-

 

 

-

     Commercial business

 

(112)

 

 

(47)

 

 

(147)

 

 

(47)

     Commercial real estate

 

-

 

 

(25)

 

 

-

 

 

(120)

     Consumer

 

(26)

 

 

(3)

 

 

(97)

 

 

(20)

     Gross charged off loans

 

(310)

 

 

(84)

 

 

(416)

 

 

(196)

Recoveries of loans previously charged off:

 

 

 

 

 

 

 

 

 

 

 

     Residential real estate

 

18

 

 

-

 

 

18

 

 

1

     Construction

 

-

 

 

-

 

 

-

 

 

-

     Commercial business

 

1

 

 

-

 

 

1

 

 

1

     Commercial real estate

 

1

 

 

3

 

 

15

 

 

3

     Consumer

 

6

 

 

-

 

 

9

 

 

5

      Gross recoveries of charged off loans

 

26

 

 

3

 

 

43

 

 

10

Net (charge offs) recoveries

 

(284)

 

 

(81)

 

 

(373)

 

 

(186)

Provision charged to expense

 

388

 

 

314

 

 

1,284

 

 

995

Balance, end of period

$

20,814

 

$

19,023

 

$

20,814

 

$

19,023

 

The allowance for loan losses has been calculated based upon an evaluation of pertinent factors underlying the various types and quality of the Company’s loans. Management considers such factors as the repayment status of a loan, the estimated net fair value of the underlying collateral, the borrower’s intent and ability to repay the loan, local economic conditions, and the Company’s historical loss ratios. We maintain the allowance for loan losses through the provision for loan losses that we charge to income. We charge losses on loans against the allowance for loan losses when we believe the collection of loan principal is unlikely. The allowance for loan losses increased $911,000 to $20.8 million at December 31, 2019, from $19.9 million at June 30, 2019. The increase was deemed appropriate in order to bring the allowance for loan losses to a level that reflects management’s estimate of the incurred loss in the Company’s loan portfolio at December 31, 2019.

 

At December 31, 2019, the Company had loans of $25.2 million, or 1.29% of total loans, adversely classified ($25.2 million classified “substandard”; none classified “doubtful”), as compared to loans of $28.3 million, or 1.51% of total loans, adversely classified ($28.2 million classified “substandard”; $35,000 classified “doubtful”) at June 30, 2019, and $29.1 million, or 1.60% of total loans, adversely classified ($28.4 million classified “substandard”; $648,000 classified “doubtful”) at December 31, 2018. Classified loans were generally comprised of loans secured by commercial and residential real estate, and other commercial purpose collateral. All loans were classified due to concerns as to the borrowers’ ability to continue to generate sufficient cash flows to service the debt. Of our classified loans, the Company had ceased recognition of interest on loans with a carrying value of $9.7 million at December 31, 2019. As noted in Note 4 to the condensed consolidated financial statements, the Company’s total past due loans decreased from $11.6 million at June 30, 2019, to $9.6 million at December 31, 2019.

 

In its quarterly evaluation of the adequacy of its allowance for loan losses, the Company employs historical data including past due percentages, charge offs, and recoveries for the previous five years for each loan category. The Company’s allowance methodology considers the most recent twelve-month period’s average net charge offs and uses this information as one of the primary factors for evaluation of allowance adequacy. Average net charge offs are calculated as net charge offs by portfolio type for the period as a percentage of the average balance of respective portfolio type over the same period.

-50-

The following table sets forth the Company’s historical net charge offs as of December 31 and June 30, 2019:

 

Portfolio segment

December 31, 2019

June 30, 2019

Net charge offs –

Net charge offs –

12-month historical

12-month historical

Real estate loans:

 

 

  Residential

0.03%

0.01%

  Construction

0.00%

0.00%

  Commercial

0.00%

0.02%

Consumer loans

0.15%

0.14%

Commercial loans

0.05%

0.02%

 

Additionally, in its quarterly evaluation of the adequacy of the allowance for loan losses, the Company evaluates changes in the financial condition of individual borrowers; changes in local, regional, and national economic conditions; the Company’s historical loss experience; and changes in market conditions for property pledged to the Company as collateral. The Company has identified specific qualitative factors that address these issues and subjectively assigns a percentage to each factor. Qualitative factors are reviewed quarterly and may be adjusted as necessary to reflect improving or declining trends. At December 31, 2019, these qualitative factors included:

 

Changes in lending policies 

National, regional, and local economic conditions 

Changes in mix and volume of portfolio 

Experience, ability, and depth of lending management and staff 

Entry to new markets 

Levels and trends of delinquent, nonaccrual, special mention and 

Classified loans 

Concentrations of credit 

Changes in collateral values 

Agricultural economic conditions 

Regulatory risk 

 

The qualitative factors are applied to the allowance for loan losses based upon the following percentages by loan type:

 

Portfolio segment

Qualitative factor applied

at interim period

ended December 31, 2019

Qualitative factor applied

at fiscal year

ended June 30, 2019

Real estate loans:

 

 

  Residential

0.60%

0.66%

  Construction

1.70%

1.69%

  Commercial

1.14%

1.14%

Consumer loans

1.36%

1.40%

Commercial loans

1.28%

1.28%

 

At December 31, 2019, the amount of our allowance for loan losses attributable to these qualitative factors was approximately $18.0 million, as compared to $17.1 million at June 30, 2019, primarily due to loan growth. The relatively small change in qualitative factors applied was attributable to normal portfolio fluctuations with management’s assessment that risks represented by the qualitative factors are relatively unchanged since the prior quarter end.  Higher levels of net charge offs requiring additional provision for loan losses could result. Although management uses the best information available, the level of the allowance for loan losses remains an estimate that is subject to significant judgment and short-term change.

-51-

Nonperforming Assets

 

The ratio of nonperforming assets to total assets and nonperforming loans to net loans receivable is another measure of asset quality. Nonperforming assets of the Company include nonaccruing loans, accruing loans delinquent/past maturity 90 days or more, and assets which have been acquired as a result of foreclosure or deed-in-lieu of foreclosure. The table below summarizes changes in the Company’s level of nonperforming assets over selected time periods:

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

 

 

December 31, 2018

Nonaccruing loans:

 

 

 

 

 

 

 

 

   Residential real estate

$

4,397

 

$

6,404

 

$

5,836

   Construction

 

-

 

 

-

 

 

24

   Commercial real estate

 

5,212

 

 

10,876

 

 

10,560

   Consumer

 

179

 

 

309

 

 

353

   Commercial business

 

631

 

 

3,424

 

 

3,680

      Total

 

10,419

 

 

21,013

 

 

20,453

 

 

 

 

 

 

 

 

 

Loans 90 days past due accruing interest:

 

 

 

 

 

 

 

 

   Residential real estate

 

-

 

 

-

 

 

-

   Construction

 

-

 

 

-

 

 

-

   Commercial real estate

 

-

 

 

-

 

 

-

   Consumer

 

1

 

 

-

 

 

-

   Commercial business

 

-

 

 

-

 

 

-

      Total

 

1

 

 

-

 

 

-

 

 

 

 

 

 

 

 

 

Total nonperforming loans

 

10,420

 

 

21,013

 

 

20,453

 

 

 

 

 

 

 

 

 

Foreclosed assets held for sale:

 

 

 

 

 

 

 

 

   Real estate owned

 

3,668

 

 

3,723

 

 

3,894

   Other nonperforming assets

 

26

 

 

29

 

 

54

      Total nonperforming assets

$

14,114

 

$

24,765

 

$

24,401

 

At December 31, 2019, troubled debt restructurings (TDRs) totaled $17.8 million, of which $3.0 million was considered nonperforming and is included in the nonaccrual loan total above. The remaining $14.8 million in TDRs have complied with the modified terms for a reasonable period of time and are therefore considered by the Company to be accrual status loans. In general, these loans were subject to classification as TDRs at December 31, 2019, on the basis of guidance under ASU No. 2011-02, which indicates that the Company may not consider the borrower’s effective borrowing rate on the old debt immediately before the restructuring in determining whether a concession has been granted. At June 30, 2019, TDRs totaled $19.0 million, of which $5.8 million was considered nonperforming and is included in the nonaccrual loan total above. The remaining $13.3 million in TDRs at June 30, 2019, had complied with the modified terms for a reasonable period of time and were therefore considered by the Company to be accrual status loans.

 

At December 31, 2019, nonperforming assets totaled $14.1 million, as compared to $24.8 million at June 30, 2019, and $24.4 million at December 31, 2018. The decrease in nonperforming assets from fiscal year end was attributable to a decrease in nonaccrual loans, as the Company resolved some of the nonaccrual loans which had been acquired in the Gideon Acquisition. At December 31, 2018, the quarter end immediately following the Gideon Acquisition, nonaccrual loans attributable to the Gideon Acquisition totaled $12.9 million. At December 31, 2019, nonaccrual loans attributable to the Gideon Acquisition totaled $2.4 million, as compared to $10.2 million at June 30, 2019.

 

Liquidity Resources

 

The term “liquidity” refers to our ability to generate adequate amounts of cash to fund loan originations, loans purchases, deposit withdrawals and operating expenses. Our primary sources of funds include deposit growth, securities sold under agreements to repurchase, FHLB advances, brokered deposits, amortization and prepayment of loan principal and interest, investment maturities and sales, and funds provided by our operations. While the scheduled loan repayments and maturing investments are relatively predictable, deposit flows, FHLB advance redemptions, and loan and security prepayment rates are significantly influenced by factors outside of the Bank’s control, including interest rates, general and local economic conditions and competition in the marketplace. The Bank relies on FHLB advances and brokered deposits as additional sources for funding cash or liquidity needs.

-52-

The Company uses its liquid resources principally to satisfy its ongoing cash requirements, which include funding loan commitments, funding maturing certificates of deposit and deposit withdrawals, maintaining liquidity, funding maturing or called FHLB advances, purchasing investments, and meeting operating expenses.

 

At December 31, 2019, the Company had outstanding commitments and approvals to extend credit of approximately $372.9 million (including $246.7 million in unused lines of credit) in mortgage and non-mortgage loans. These commitments and approvals are expected to be funded through existing cash balances, cash flow from normal operations and, if needed, advances from the FHLB or the Federal Reserve’s discount window. At December 31, 2019, the Bank had pledged $815.2 million of its single-family residential and commercial real estate loan portfolios to the FHLB for available credit of approximately $392.1 million, of which $115.1 million had been advanced. The Bank has the ability to pledge several other loan portfolios, including, for example, its commercial and home equity loans, which could provide additional collateral for additional borrowings; in total, FHLB borrowings are generally limited to 45% of bank assets, or approximately $1.0 billion, subject to available collateral. Also, at December 31, 2019, the Bank had pledged a total of $256.5 million in loans secured by farmland and agricultural production loans to the Federal Reserve, providing access to $189.9 million in primary credit borrowings from the Federal Reserve’s discount window. Management believes its liquid resources will be sufficient to meet the Company’s liquidity needs.

 

Regulatory Capital

 

The Company and Bank are subject to various regulatory capital requirements administered by the Federal banking agencies.  Failure to meet minimum capital requirements can result in certain mandatory—and possibly additional discretionary – actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements.  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and Bank must meet specific capital guidelines that involve quantitative measures of the Company and the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under U.S. GAAP, regulatory reporting requirements and regulatory capital standards.  The Company’s and Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.  Furthermore, the Company’s and Bank’s regulators could require adjustments to regulatory capital not reflected in the condensed consolidated financial statements.

 

Quantitative measures established by regulatory capital standards to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the table below) of total capital, Tier 1 capital (as defined), and common equity Tier 1 capital (as defined) to risk-weighted assets (as defined) and of Tier 1 capital (as defined) to average total assets (as defined). Management believes, as of December 31 and June 30, 2019, that the Company and the Bank met all capital adequacy requirements to which they are subject.

 

In July 2013, the Federal banking agencies announced their approval of the final rule to implement the Basel III regulatory reforms, among other changes required by the Dodd-Frank Wall Street Reform and Consumer Protection Act. The approved rule included a new minimum ratio of common equity Tier 1 (CET1) capital of 4.5%, raised the minimum ratio of Tier 1 capital to risk-weighted assets from 4.0% to 6.0%, and included a minimum leverage ratio of 4.0% for all banking institutions. Additionally, the rule created a capital conservation buffer of 2.5% of risk-weighted assets, and prohibited banking organizations from making distributions or discretionary bonus payments during any quarter if its eligible retained income is negative, if the capital conservation buffer is not maintained. This new capital conservation buffer requirement has been phased in beginning in January 2016 at 0.625% of risk-weighted assets and increasing each year until being fully implemented in January 2019.  The enhanced capital requirements for banking organizations such as the Company and the Bank began January 1, 2015. Other changes included revised risk-weighting of some assets, stricter limitations on mortgage servicing assets and deferred tax assets, and replacement of the ratings-based approach to risk weight securities.

 

As of December 31, 2019, the most recent notification from the Federal banking agencies categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier 1 risk-based, common equity Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank’s category.

-53-

The tables below summarize the Company’s and Bank’s actual and required regulatory capital:

 

 

Actual

 

 

For Capital

Adequacy

Purposes

 

 

To Be Well

Capitalized

Under Prompt

Corrective Action

Provisions

As of December 31, 2019

 

Amount

 

Ratio

 

 

 

Amount

 

Ratio

 

 

 

Amount

 

Ratio

(dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

$

267,825

 

13.30%

 

 

$

161,115

 

8.00%

 

 

 

n/a

 

n/a

Southern Bank

 

260,367

 

13.01%

 

 

 

160,056

 

8.00%

 

 

$

200,070

 

10.00%

Tier I Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

245,484

 

12.19%

 

 

 

120,837

 

6.00%

 

 

 

n/a

 

n/a

Southern Bank

 

238,026

 

11.90%

 

 

 

120,042

 

6.00%

 

 

 

160,056

 

8.00%

Tier I Capital (to Average Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

245,484

 

10.87%

 

 

 

90,333

 

4.00%

 

 

 

n/a

 

n/a

Southern Bank

 

238,026

 

10.56%

 

 

 

90,180

 

4.00%

 

 

 

112,725

 

5.00%

Common Equity Tier I Capital (to Risk-

   Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

230,391

 

11.44%

 

 

 

90,627

 

4.50%

 

 

 

n/a

 

n/a

Southern Bank

 

238,026

 

11.90%

 

 

 

90,032

 

4.50%

 

 

 

130,046

 

6.50%

 

 

Actual

 

 

For Capital

Adequacy

Purposes

 

 

To Be Well

Capitalized

Under Prompt

Corrective Action

Provisions

As of June 30, 2019

 

Amount

 

Ratio

 

 

 

Amount

 

Ratio

 

 

 

Amount

 

Ratio

(dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

$

256,982

 

13.22%

 

 

$

155,536

 

8.00%

 

 

 

n/a

 

n/a

Southern Bank

 

247,199

 

12.81%

 

 

 

154,364

 

8.00%

 

 

 

192,954

 

10.00%

Tier I Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

235,768

 

12.13%

 

 

 

116,652

 

6.00%

 

 

 

n/a

 

n/a

Southern Bank

 

225,985

 

11.71%

 

 

 

115,773

 

6.00%

 

 

 

154,364

 

8.00%

Tier I Capital (to Average Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

235,768

 

10.81%

 

 

 

87,231

 

4.00%

 

 

 

n/a

 

n/a

Southern Bank

 

225,985

 

10.38%

 

 

 

87,077

 

4.00%

 

 

 

108,846

 

5.00%

Common Equity Tier I Capital (to Risk-

   Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

220,725

 

11.35%

 

 

 

87,489

 

4.50%

 

 

 

n/a

 

n/a

Southern Bank

 

225,985

 

11.71%

 

 

 

86,829

 

4.50%

 

 

 

125,420

 

6.50%

-54-

PART I: Item 3:  Quantitative and Qualitative Disclosures About Market Risk

SOUTHERN MISSOURI BANCORP, INC.

 

Asset and Liability Management and Market Risk

 

The goal of the Company’s asset/liability management strategy is to manage the interest rate sensitivity of both interest-earning assets and interest-bearing liabilities in order to maximize net interest income without exposing the Bank to an excessive level of interest rate risk. The Company employs various strategies intended to manage the potential effect that changing interest rates may have on future operating results. The primary asset/liability management strategy has been to focus on matching the anticipated re-pricing intervals of interest-earning assets and interest-bearing liabilities. At times, however, depending on the level of general interest rates, the relationship between long- and short-term interest rates, market conditions and competitive factors, the Company may determine to increase its interest rate risk position somewhat in order to maintain its net interest margin.

 

In an effort to manage the interest rate risk resulting from fixed rate lending, the Bank has utilized longer term FHLB advances (with maturities up to ten years), subject to early redemptions and fixed terms. Other elements of the Company’s current asset/liability strategy include (i) increasing originations of commercial business, commercial real estate, agricultural operating lines, and agricultural real estate loans, which typically provide higher yields and shorter repricing periods, but inherently increase credit risk; (ii) actively soliciting less rate-sensitive deposits, including aggressive use of the Company’s “rewards checking” product, and (iii) offering competitively-priced money market accounts and CDs with maturities of up to five years. The degree to which each segment of the strategy is achieved will affect profitability and exposure to interest rate risk.

 

The Company continues to originate long-term, fixed-rate residential loans. During the first six months of fiscal year 2020, fixed rate 1- to 4-family residential loan production totaled $66.5 million, as compared to $35.0 million during the same period of the prior fiscal year. At December 31, 2019, the fixed rate residential loan portfolio was $199.3 million with a weighted average maturity of 121 months, as compared to $171.5 million at December 31, 2018, with a weighted average maturity of 99 months. The Company originated $14.5 million in adjustable-rate 1- to 4-family residential loans during the six-month period ended December 31, 2019, as compared to $18.2 million during the same period of the prior fiscal year. At December 31, 2019, fixed rate loans with remaining maturities in excess of 10 years totaled $70.8 million, or 3.7% of net loans receivable, as compared to $37.3 million, or 2.1% of net loans receivable at December 31, 2018. The Company originated $153.4 million in fixed rate commercial and commercial real estate loans during the six-month period ended December 31, 2019, as compared to $179.2 million during the same period of the prior fiscal year.  The Company also originated $21.8 million in adjustable rate commercial and commercial real estate loans during the six-month period ended December 31, 2019, as compared to $38.5 million during the same period of the prior fiscal year. At December 31, 2019, adjustable-rate home equity lines of credit increased to $44.9 million, as compared to $41.0 million at December 31, 2018. At December 31, 2019, the Company’s investment portfolio had an expected weighted-average life of 3.6 years, compared to 3.8 years at December 31, 2018. Management continues to focus on customer retention, customer satisfaction, and offering new products to customers in order to increase the Company’s amount of less rate-sensitive deposit accounts.

-55-

Interest Rate Sensitivity Analysis

 

The following table sets forth as of December 31, 2019, management’s estimates of the projected changes in net portfolio value (“NPV”) in the event of 100, 200, and 300 basis point (“bp”) instantaneous and permanent increases, and 100, 200, and 300 basis point instantaneous and permanent decreases in market interest rates. Dollar amounts are expressed in thousands.

 

December 31, 2019

 

 

 

 

 

NPV as Percentage of

 

Net Portfolio

 

PV of Assets

Change in Rates

Value

Change

% Change

 

NPV Ratio

Change

+300 bp

$                195,703

$                (60,522)

-24%

 

8.98%

-2.13%

+200 bp

                   215,737

                   (40,488)

-16%

 

9.71%

-1.40%

+100 bp

                   236,230

                   (19,995)

-8%

 

10.44%

-0.67%

0 bp

                   256,225

                                -

                         -

 

11.11%

0.00%

-100 bp

                   274,248

                     18,023

7%

 

11.70%

0.59%

-200 bp

                   298,461

                     42,237

16%

 

12.57%

1.45%

-300 bp

                   307,190

                     50,965

20%

 

12.90%

1.79%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

June 30, 2019

 

 

 

 

 

NPV as Percentage of

 

Net Portfolio

 

PV of Assets

Change in Rates

Value

Change

% Change

 

NPV Ratio

Change

+300 bp

$                173,144

$                (44,041)

-20%

 

8.35%

-1.59%

+200 bp

                   187,179

                   (30,006)

-14%

 

8.88%

-1.07%

+100 bp

                   203,703

                   (13,483)

-6%

 

9.49%

-0.46%

0 bp

                   217,185

                                -

                         -

 

9.94%

0.00%

-100 bp

                   229,783

                     12,598

6%

 

10.37%

0.43%

-200 bp

                   251,078

                     33,893

16%

 

11.19%

1.25%

-300 bp

                   261,720

                     44,535

21%

 

11.63%

1.69%

 

 

Computations of prospective effects of hypothetical interest rate changes are based on an internally generated model using actual maturity and repricing schedules for the Bank’s loans and deposits, and are based on numerous assumptions, including relative levels of market interest rates, loan repayments and deposit run-offs, and should not be relied upon as indicative of actual results. Further, the computations do not contemplate any actions the Bank may undertake in response to changes in interest rates.

 

Management cannot predict future interest rates or their effect on the Bank’s NPV in the future. Certain shortcomings are inherent in the method of analysis presented in the computation of NPV. For example, although certain assets and liabilities may have similar maturities or periods to repricing, they may react in differing degrees to changes in market interest rates. Additionally, certain assets, such as adjustable-rate loans, have an initial fixed rate period typically from one to seven years and over the remaining life of the asset changes in the interest rate are restricted. In addition, the proportion of adjustable-rate loans in the Bank’s portfolios could decrease in future periods due to refinancing activity if market interest rates remain steady in the future. Further, in the event of a change in interest rates, prepayment and early withdrawal levels could deviate significantly from those assumed in the table. Finally, the ability of many borrowers to service their adjustable-rate debt may decrease in the event of an interest rate increase.

 

The Bank’s Board of Directors (the “Board”) is responsible for reviewing the Bank’s asset and liability policies. The Board’s Asset/Liability Committees meets monthly to review interest rate risk and trends, as well as liquidity and capital ratios and requirements. The Bank’s management is responsible for administering the policies and determinations of the Boards with respect to the Bank’s asset and liability goals and strategies.

-56-

PART I: Item 4:  Controls and Procedures

SOUTHERN MISSOURI BANCORP, INC.

 

 

An evaluation of Southern Missouri Bancorp’s disclosure controls and procedures (as defined in Rule 13a-15(e) under the Securities and Exchange Act of 1934, as amended, (the “Act”)) as of December 31, 2019, was carried out under the supervision and with the participation of our Chief Executive Officer and Chief Financial Officer, and several other members of our senior management. The Chief Executive Officer and Chief Financial Officer concluded that, as of December 31, 2019, the Company’s disclosure controls and procedures were effective in ensuring that the information required to be disclosed by the Company in the reports it files or submits under the Act is (i) accumulated and communicated to management (including the Chief Executive and Financial Officer) in a timely manner, and (ii) recorded, processed, summarized and reported within the time periods specified in the SEC’s rules and forms. There have been no changes in our internal control over financial reporting (as defined in Rule 13a-15(f) under the Act) that occurred during the quarter ended December 31, 2019, that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

 

The Company does not expect that its disclosures and procedures will prevent all errors and all fraud. A control procedure, no matter how well conceived and operated, can provide only reasonable, not absolute, assurance that the objectives of the control procedure are met. Because of the inherent limitations in all control procedures, no evaluation of controls can provide absolute assurance that all control issues and instances of fraud, if any, within the Company have been detected. These inherent limitations include the realities that judgments in decision-making can be faulty, and that breakdowns can occur because of a simple error or mistake. Additionally, controls can be circumvented by the individual acts of some persons, by collusion of two or more people, or by management override of the control. The design of any control procedure also is based in part upon certain assumptions about the likelihood of future events, and there can be no assurance that any design will succeed in achieving its stated goals under all potential future conditions; over time, controls may become inadequate because of changes in conditions, or the degree of compliance with the policies or procedures may deteriorate. Because of the inherent limitations in a cost-effective control procedure, misstatements due to error or fraud may occur and not be detected.

-57-

PART II: Other Information

SOUTHERN MISSOURI BANCORP, INC.

 

Item 1:  Legal Proceedings

 

In the opinion of management, the Company is not a party to any pending claims or lawsuits that are expected to have a material effect on the Company’s financial condition or operations. Periodically, there have been various claims and lawsuits involving the Company mainly as a defendant, such as claims to enforce liens, condemnation proceedings on properties in which the Company holds security interests, claims involving the making and servicing of real property loans and other issues incident to the Bank’s business. Aside from such pending claims and lawsuits, which are incident to the conduct of the Company’s ordinary business, the Company is not a party to any material pending legal proceedings that would have a material effect on the financial condition or operations of the Company.

 

Item 1a:  Risk Factors

 

There have been no material changes to the risk factors set forth in Part I, Item 1A of the Company’s Annual Report on Form 10-K for the year ended June 30, 2019.

 

Item 2: Unregistered Sales of Equity Securities and Use of Proceeds

 

 

 

Period

 

Total Number of Shares (or Units) Purchased

 

Average Price Paid per Share (or Unit)

 

Total Number of Shares (or Units) Purchased as Part of Publicly Announced Plans or Programs

Maximum Number (or Approximate Dollar Value) of Shares (or Units) that May Yet be Purchased Under the Plans or Program

10/1/2019 thru 10/31/2019

-

-

-

328,599

11/1/2019 thru 11/30/2019

-

-

-

328,599

12/1/2019 thru 12/31/2019

-

-

-

328,599

Total

-

-

-

328,599

 

Item 3:  Defaults upon Senior Securities

 

Not applicable

 

Item 4:  Mine Safety Disclosures

 

Not applicable 

 

Item 5:  Other Information

 

None

-58-

Item 6:  Exhibits

 

Exhibit Number

 

Document

3.1(i)

Articles of Incorporation of the Registrant (filed as an exhibit to the Registrant’s Annual Report on Form 10-KSB for the fiscal year ended June 30, 1999 and incorporated herein by reference)

3.1(i)A

Amendment to Articles of Incorporation of Southern Missouri increasing the authorized capital stock of Southern Missouri (filed as an exhibit to Southern Missouri's Current Report on Form 8-K filed on November 21, 2016 and incorporated herein by reference)

3.1(i)B

Amendment to Articles of Incorporation of Southern Missouri increasing the authorized capital stock of Southern Missouri(filed as an exhibit to Southern Missouri's Current Report on Form 8-K filed on November 8, 2018 and incorporated herein by reference)

3.1(ii)

Certificate of Designation for the Registrant’s Senior Non-Cumulative Perpetual Preferred Stock, Series A (filed as an exhibit to the Registrant’s Current Report on Form 8-K filed on July 26, 2011 and incorporated herein by reference)

3.2

Bylaws of the Registrant (filed as an exhibit to the Registrant’s Current Report on Form 8-K filed on December 6, 2007 and incorporated herein by reference)

10

Material Contracts:

 

1.

Registrant’s 2017 Omnibus Incentive Plan (attached to the Registrant’s definitive proxy statement filed on September 26, 2017, and incorporated herein by reference)

 

2.

2008 Equity Incentive Plan (attached to the Registrant’s definitive proxy statement filed on September 19, 2008 and incorporated herein by reference)

 

3.

2003 Stock Option and Incentive Plan (attached to the Registrant’s definitive proxy statement filed on September 17, 2003 and incorporated herein by reference)

 

4.

Employment and Change-in-control Agreements

 

 

(i)

Employment Agreement with Greg A. Steffens (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2019 and incorporated herein by reference)

 

 

(ii)

Change-in-control Agreement with Kimberly A. Capps (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2019 and incorporated herein by reference)

 

 

(iii)

Change-in-control Agreement with Matthew T. Funke (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2019 and incorporated herein by reference)

 

 

(iv)

Change-in-control Agreement with Lora L. Daves (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-Q for the quarter ended September 30 2019 and incorporated herein by reference)

 

 

(v)

Change-in-control Agreement with Justin G. Cox (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2019 and incorporated herein by reference)

 

 

(vi)

Change-in-control Agreement with Mark E. Hecker (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2019 and incorporated herein by reference)

 

 

(vii)

Change-in-control Agreement with Rick A. Windes (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2019 and incorporated herein by reference)

 

5.

Director’s Retirement Agreements

 

 

(i)

Director’s Retirement Agreement with Sammy A. Schalk (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-QSB for the quarter ended December 31, 2000 and incorporated herein by reference)

 

 

(ii)

Director’s Retirement Agreement with Ronnie D. Black (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-QSB for the quarter ended December 31, 2000 and incorporated herein by reference)

 

 

(iii)

Director’s Retirement Agreement with L. Douglas Bagby (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-QSB for the quarter ended December 31, 2000 and incorporated herein by reference)

 

 

(iv)

Director’s Retirement Agreement with Rebecca McLane Brooks (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-QSB for the quarter ended December 31, 2004 and incorporated herein by reference)

 

 

(v)

Director’s Retirement Agreement with Charles R. Love (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-QSB for the quarter ended December 31, 2004 and incorporated herein by reference)

 

 

(vi)

Director’s Retirement Agreement with Charles R. Moffitt (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-QSB for the quarter ended December 31, 2004 and incorporated herein by reference)

 

 

(vii)

Director’s Retirement Agreement with Dennis C. Robison (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-Q for the quarter ended December 31, 2008 and incorporated herein by reference)

 

 

(viii)

Director’s Retirement Agreement with David J. Tooley (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-Q for the quarter ended December 31, 2011 and incorporated herein by reference)

 

 

(ix)

Director’s Retirement Agreement with Todd E. Hensley (filed as an exhibit to the Registrant’s Annual Report on Form 10-K for the year ended June 30, 2015 and incorporated herein by reference)

 

6.

Tax Sharing Agreement (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2015 and incorporated herein by reference)

10.1

Named Executive Officer Salary and Bonus Arrangements for 2019 (filed as an exhibit to Registrant’s Annual Report on Form 10-K for the year ended June 30, 2019)

10.2

Director Fee Arrangements for 2019 (filed as an exhibit to Registrant’s Annual Report on Form 10-K for the year ended June 30, 2019)

11

Statement Regarding Computation of Per Share Earnings (filed as an exhibit to Registrant’s Annual Report on Form 10-K for the year ended June 30, 2019)

-59-

14

Code of Conduct and Ethics (filed as an exhibit to the Registrant’s Annual Report on Form 10-K for the year ended June 30, 2016)

21

Subsidiaries of the Registrant (filed as an exhibit to Registrant’s Annual Report on Form 10-K for the year ended June 30, 2019)

31.1

Rule 13a-14(a)/15-d14(a) Certifications

31.2

Rule 13a-14(a)/15-d14(a) Certifications

32

Section 1350 Certifications

101

Attached as Exhibit 101 are the following financial statements from the Southern Missouri Bancorp, Inc. Quarterly Report on Form 10-Q for the quarter ended December 31, 2019, formatted in Extensive Business Reporting Language (XBRL): (i) consolidated balance sheets, (ii) consolidated statements of income, (iii) consolidated statements of cash flows and (iv) the notes to consolidated financial statements.

-60-

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

 

 

 

SOUTHERN MISSOURI BANCORP, INC.

 

 

Registrant

 

 

 

Date:  February 10, 2020

 

/s/ Greg A. .Steffens

 

 

Greg A. Steffens

 

 

President & Chief Executive Officer

 

 

(Principal Executive Officer)

 

 

 

Date:  February 10, 2020

 

/s/ Matthew T. Funke

 

 

Matthew T. Funke

 

 

Executive Vice President & Chief Financial Officer

 

 

(Principal Financial and Accounting Officer)

-61-

 

 EX-31 2 ex31z1.htm PRESIDENT AND CEO CERTIFICATION

Exhibit 31.1

 

CERTIFICATION

 

I, Greg A. Steffens, certify that:

 

1. I have reviewed this quarterly report on Form 10-Q of Southern Missouri Bancorp, Inc. 

 

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;  

 

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;  

 

4.The registrant's other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a- 15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f))  for the registrant and we have: 

 

a)designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; 

 

b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; 

 

c)evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures as of the end of the period covered by this report based on such evaluation; and 

 

d)disclosed in this report any changes in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting.  

 

5. The registrant's other certifying officers and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of registrant's board of directors (or persons performing the equivalent functions): 

 

a)all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and 

 

b)any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting. 

 

Date:   February 10, 2020

 

By:

/s/ Greg A. Steffens

 

 

 

Greg A. Steffens

 

 

 

President & Chief Executive Officer

 

 

 

(Principal Executive Officer)

 

 EX-31 3 ex31z2.htm EVP AND CFO CERTIFICATION

Exhibit 31.2

 

CERTIFICATION

 

I, Matthew T. Funke, certify that:

 

1. I have reviewed this quarterly report on Form 10-Q of Southern Missouri Bancorp, Inc. 

 

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;  

 

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;  

 

4.The registrant's other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a- 15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f))  for the registrant and we have: 

 

a) designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; 

 

b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; 

 

c)evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures as of the end of the period covered by this report based on such evaluation; and 

 

d)disclosed in this report any changes in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting.  

 

5. The registrant's other certifying officers and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of registrant's board of directors (or persons performing the equivalent functions): 

 

a)all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and 

 

b)any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting. 

 

 

Date:   February 10, 2020

 

By:

/s Matthew T. Funke

 

 

 

Matthew T. Funke

 

 

 

Executive Vice President & Chief Financial Officer

 

 

 

(Principal Financial Officer)

 

 EX-32 4 ex32.htm SECTION 906 CERTIFICATIONS

Exhibit 32

 

CERTIFICATION

 

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, each of the undersigned hereby certifies in his capacity as an officer of Southern Missouri Bancorp, Inc. (the “Company”) that the quarterly report of the Company on Form 10-Q for the quarter ended December 31, 2019, fully complies with the requirements of Section 13(a) of the Securities Exchange Act of 1934, as amended, and that the information contained in such report fairly presents, in all material respects, the financial condition and results of operations of the Company as of the dates and for the periods presented in the financial statements included in such report. 

 

 

Date:   February 10, 2020

 

By:

/s/ Greg A. Steffens

 

 

 

Greg A. Steffens

 

 

 

President & Chief Executive Officer

 

 

 

(Principal Executive Officer)

 

 

 

 

 

 

 

 

Date:   February 10, 2020

 

By:

/s/ Matthew T. Funke

 

 

 

Matthew T. Funke

 

 

 

Executive Vice President & Chief Financial Officer

 

 

 

(Principal Financial Officer)

 

 

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Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest Financing Receivable Recorded Investment Represents the monetary amount of Financing Receivable Recorded Investment, as of the indicated date. Performing Financial Instruments Financing Receivables Current Represents the Financing Receivables Current, during the indicated time period. Residential mortgage loans and home equity loans formal foreclosure proceedings in process Represents the monetary amount of Residential mortgage loans and home equity loans formal foreclosure proceedings in process, as of the indicated date. Financing Receivable, Collectively Evaluated for Impairment Allowance for Loan Losses Allowance for Loan Losses Represents the monetary amount of Allowance for Loan Losses, during the indicated time period. Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value Mortgage-backed securities GSE residential amortized cost Represents the monetary amount of Mortgage-backed securities GSE residential amortized cost, as of the indicated date. Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Amortized Cost Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value {1} Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value Earnings Per Share, Policy Interest-Bearing Time Deposits Represents the textual narrative disclosure of Interest-Bearing Time Deposits, during the indicated time period. Use of Estimates Policy Notes Liabilities assumed Liabilities assumed Investments in state & federal tax credits Cash flows from investing activities: Other Comprehensive Income Represents the description of Other comprehensive income, during the indicated time period. Net realized gains on sale of loans Loan Servicing Fees Represents the monetary amount of Loan Servicing Fees, during the indicated time period. Total interest expense Total interest expense Treasury Stock, Shares Total stockholders' equity Total stockholders' equity Accrued interest payable Securities sold under agreements to repurchase Document Quarterly Report Emerging Growth Company Financial Instruments Owned Carrying Amount Represents the monetary amount of Financial Instruments Owned Carrying Amount, as of the indicated date. Investment in Federal Home Loan Bank Stock Represents the Investment in Federal Home Loan Bank Stock, during the indicated time period. Fair value on a nonrecurring basis Represents the monetary amount of Fair value on a nonrecurring basis, as of the indicated date. Defined Contribution Plan, Administrative Expense Deferred Tax Assets, Net of Valuation Allowance Weighted Average Number of Shares Outstanding, Diluted Certain Loans Acquired In Transfer Accretable Yield Accretion Represents the monetary amount of Certain Loans Acquired In Transfer Accretable Yield Accretion, during the indicated time period. Impaired Financing Receivable, with Related Allowance, Recorded Investment Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment Residential Real Estate SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Loan Type Cash Due and Interest-Bearing Deposits in Other Depository Institutions Represents the monetary amount of Cash Due and Interest-Bearing Deposits in Other Depository Institutions, as of the indicated date. Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment Represents the textual narrative disclosure of Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment, during the indicated time period. Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies Policies Fair value of assets acquired Fair value of assets acquired Net (decrease) increase in securities sold under agreements to repurchase Purchases of available-for-sale securities Equity Components [Axis] Other Loan Fees Represents the monetary amount of Other Loan Fees, during the indicated time period. Total liabilities Liabilities and Stockholders' Equity Deposits {2} Deposits Fair Value Asset Liability Measured On Nonrecurring Basis With Unobservable Inputs Represents the monetary amount of Fair Value Asset Liability Measured On Nonrecurring Basis With Unobservable Inputs, during the indicated time period. Fair Value, Inputs, Level 3 Fair Value, Inputs, Level 1 Ozarks Legacy Community Financial, Inc. Represents the Ozarks Legacy Community Financial, Inc., during the indicated time period. Nontaxable Municipal Income Represents the monetary amount of Nontaxable Municipal Income, during the indicated time period. Deferred Tax Liabilities, Prepaid Expenses Losses and credits from LLC's Stock options under treasury stock method Represents the Stock options under treasury stock method (number of shares), during the indicated time period. Income Recognized From Lessor Agreements Represents the monetary amount of Income Recognized From Lessor Agreements, during the indicated time period. Operating Lease, Payments Operating Leases, Future Minimum Payments, Due in Four Years Asset Class [Axis] Operating leases right of use assets Impaired Financing Receivable, Average Recorded Investment SEC Schedule, 12-09, Valuation Allowances and Reserves Type [Axis] Collateral [Axis] Number of Loans Modified for Other Than TDR Represents the pure numeric value of Number of Loans Modified for Other Than TDR, as of the indicated date. Loans Receivable Represents the monetary amount of Loans Receivable, during the indicated time period. Commercial Real Estate SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Loan Type [Axis] Unrealized Losses on Pooled Trust Preferred Securities in a Continuous Unrealized Loss Position for 12 Months or More Represents the monetary amount of Unrealized Losses on Pooled Trust Preferred Securities in a Continuous Unrealized Loss Position for 12 Months or More, as of the indicated date. Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Fair Value Finite-Lived Intangible Assets, Amortization Expense, Rolling Year Three Schedule of Debtor Troubled Debt Restructuring, Current Period Schedule of Interest Income Recognized on Impaired Loans Represents the textual narrative disclosure of Schedule of Interest Income Recognized on Impaired Loans, during the indicated time period. Outside Directors' Retirement Represents the textual narrative disclosure of Outside Directors' Retirement, during the indicated time period. Repayments of Federal Home Loan Bank advances Gain (loss) on Loans Held for Sale Gain (loss) on Loans Held for Sale Represents the monetary amount of Gain (loss) on Loans Held for Sale, during the indicated time period. Exercise of stock options Comprehensive Income Tax Benefit (Expense) Represents the monetary amount of Comprehensive Income Tax Benefit (Expense), during the indicated time period. Bank Card Network Expense Represents the monetary amount of Bank Card Network Expense, during the indicated time period. Deposit Account Charges and Related Fees Represents the monetary amount of Deposit Account Charges and Related Fees, during the indicated time period. Other interest-earning assets Loans and Leases Receivable, Allowance Accounts payable and other liabilities Available for sale securities Well-known Seasoned Issuer Interactive Data Current Letter of Credit Federal Home Loan Bank Advances {1} Federal Home Loan Bank Advances Commitments to Extend Credit Measurement Basis [Axis] Finance Lease, Right-of-Use Asset Carrying Amount of Acquired Loans Represents the Carrying Amount of Acquired Loans, during the indicated time period. Impaired Financing Receivable, with No Related Allowance, Recorded Investment Financial Asset, 60 to 89 Days Past Due Financial Asset, 30 to 59 Days Past Due SEC Schedule, 12-09, Valuation Allowances and Reserves Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment Short-term Debt, Type [Axis] Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value Finite-Lived Intangible Assets, Amortization Expense, Remainder of Fiscal Year FHLB Mortgage Servicing Rights Represents the monetary amount of FHLB Mortgage Servicing Rights, during the indicated time period. Schedule of Deposit Liabilities Represents the textual narrative disclosure of Schedule of Deposit Liabilities, during the indicated time period. Lessee, Operating Lease, Disclosure Goodwill {1} Goodwill Represents the textual narrative disclosure of Goodwill, during the indicated time period. Cash and Cash Equivalents, Policy Note 13: Business Combinations Note 2: Organization and Summary of Significant Accounting Policies Income taxes Cash paid during the period for: Represents the description of Cash Paid During the Period For:, during the indicated time period. Proceeds from Federal Home Loan Bank advances Equity Component Statement Total other comprehensive income Net Interest Income After Provision for Loan Losses Represents the monetary amount of Net Interest Income After Provision for Loan Losses, during the indicated time period. Other intangible assets, net Bank owned life insurance - cash surrender value Accrued interest receivable Document Transition Report Entity Listing, Par Value Per Share Trading Symbol Period End date Registrant Name Fair Value by Liability Class Deferred Tax Liabilities FHLB Stock Dividends Represents the monetary amount of Deferred Tax Liabilities FHLB Stock Dividends, as of the indicated date. Deferred Tax Assets Unrealized Loss on Other Real Estate Represents the monetary amount of Deferred Tax Assets Unrealized Loss on Other Real Estate, as of the indicated date. Deposits, Domestic Liability, Operating Leases Represents the monetary amount of Liability, Operating Leases, during the indicated time period. Consolidated Balance Sheet Represents the Consolidated Balance Sheet, during the indicated time period. Certain Loans and Debt Securities Acquired in Transfer, Allowance for Credit Losses Due to Subsequent Impairment Accounts Receivable, Allowance for Credit Loss, Recovery Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss Assets Sold under Agreements to Repurchase, Carrying Amount Debt and equity securities fair value Represents the monetary amount of Debt and equity securities fair value, as of the indicated date. Available-for-sale Securities, Amortized Cost Basis Core Deposits and Intangible Assets, Remaining Amortization Period Represents the description of Core Deposits and Intangible Assets, Remaining Amortization Period, during the indicated time period. Reconciliation of Income Tax Expense at the Statutory Rate to Actual Income Tax Represents the textual narrative disclosure of Reconciliation of Income Tax Expense at the Statutory Rate to Actual Income Tax, during the indicated time period. Property, Plant and Equipment Performing Loans Classified as Troubled Debt Restructuring Loans Represents the textual narrative disclosure of Performing Loans Classified as Troubled Debt Restructuring Loans, during the indicated time period. Schedule of Loan Portfolio Aging Analysis Represents the textual narrative disclosure of Schedule of Loan Portfolio Aging Analysis, during the indicated time period. Residential Mortgage Lending Represents the textual narrative disclosure of Residential Mortgage Lending, during the indicated time period. Noncash investing and financing activities: Concentration Risk Benchmark Occupancy and equipment, net Loans Common Stock, Shares, Issued Treasury stock of 121,401 and 35,351 shares at December 31, 2019 and June 30, 2019, respectively, at cost Assets {1} Assets Amendment Flag Current with reporting Accrued interest payable {2} Accrued interest payable Represents the Accrued interest payable, during the indicated time period. Valuation Approach and Technique Fair Value Measurement Deferred Tax Assets NOL Carry Forwards Acquired Represents the monetary amount of Deferred Tax Assets NOL Carry Forwards Acquired, as of the indicated date. Operating Lease Costs Classified as Occupancy and Equipment Expense Represents the monetary amount of Operating Lease Costs Classified as Occupancy and Equipment Expense, during the indicated time period. Minimum Balance at beginning of period Balance at beginning of period Balance at end of period Impaired Financing Receivable Interest Income Recognized Represents the monetary amount of Impaired Financing Receivable Interest Income Recognized, during the indicated time period. Impaired Financing Receivable With and Without Related Allowance Recorded Investment Represents the monetary amount of Impaired Financing Receivable With and Without Related Allowance Recorded Investment, as of the indicated date. Financing Receivables Greater than 90 Days Past Due and Still Accruing Represents the Financing Receivables Greater than 90 Days Past Due and Still Accruing, during the indicated time period. Special Mention Allowance for Loan and Lease Losses, Write-offs Statistical Measurement Amount of Loans Modified for Other Than TDR Represents the monetary amount of Amount of Loans Modified for Other Than TDR, as of the indicated date. Loans Receivable, Net Represents the Loans Receivable, Net, during the indicated time period. Fair Value of Pooled Trust Preferred Securities Held Represents the monetary amount of Fair Value of Pooled Trust Preferred Securities Held, as of the indicated date. Number of Pooled Trust Preferred Securities Represents the pure numeric value of Number of Pooled Trust Preferred Securities, as of the indicated date. Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Fair Value Finite-Lived Intangible Assets, Amortization Expense, Rolling Year Four Calculated Amount of Right of Use Assets and Lease Liabilities Tables/Schedules Fair Value Transfer Policy Share-based Compensation, Option and Incentive Plans Policy Note 8: Earnings Per Share Less: common stock issued Less: common stock issued Net purchases of Federal Reserve Bank of St. Louis stock Net change in interest-bearing deposits Stock Grant Expense Represents the monetary amount of Stock grant expense, during the indicated time period. Retained Earnings Additional Paid-in Capital Total noninterest expense Total noninterest expense Other operating expense Bank card interchange income Provision for loan losses PROVISION FOR LOAN LOSSES Retained earnings Interest-bearing time deposits Interest-bearing time deposits Amendment Description Registrant CIK Details Gains (losses) recognized on assets measured on a non-recurring basis Represents the monetary amount of Gains (losses) recognized on assets measured on a non-recurring basis, during the indicated time period. Fair Value Hierarchy and NAV Current State and Local Tax Expense (Benefit) Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent Less accumulated depreciation Impaired Financial Receivable With and Without Related Allowance Unpaid Principal Balance Represents the monetary amount of Impaired Financial Receivable With and Without Related Allowance Unpaid Principal Balance, as of the indicated date. Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance Foreclosed residential real estate properties physical possession Represents the monetary amount of Foreclosed residential real estate properties physical possession, as of the indicated date. Purchased Credit Impaired Loans Represents the monetary amount of Purchased Credit Impaired Loans, as of the indicated date. Collateralized Mortgage Obligations Mortgage-backed securities GSE residential fair value Represents the monetary amount of Mortgage-backed securities GSE residential fair value, as of the indicated date. Schedule of Future Minimum Rental Payments for Operating Leases Schedule of Financing Receivables, Non Accrual Status Note 11: Subordinated Debt Note 9: Income Taxes Net cash provided by operating activities Accrued interest payable {1} Accrued interest payable Items not requiring (providing) cash: Equity Balance Equity Balance Equity Balance Dividends per common share INCOME BEFORE INCOME TAXES Legal and professional fees Deposit insurance premiums NONINTEREST EXPENSE: Total interest income Total interest income Prepaid expenses and other assets Entity Incorporation, State or Country Code Ex Transition Period Investment in Federal Home Loan Bank Stock {1} Investment in Federal Home Loan Bank Stock Deferred Tax Assets Provision for Losses on Loans Represents the monetary amount of Deferred Tax Assets Provision for Losses on Loans, as of the indicated date. Deposits, Savings Deposits Operating Leases, Future Minimum Payments Due, Next Twelve Months Operating Lease, Expense Automobiles Land Doubtful Internal Credit Assessment [Axis] Financing Receivables Acquired with Deteriorated Credit Quality Represents the monetary amount of Financing Receivables Acquired with Deteriorated Credit Quality, during the indicated time period. Loans in Process Represents the Loans in Process, during the indicated time period. Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value Debt Securities, Available-for-sale, Allocated and Single Maturity Date, Maturity, after 10 Years, Amortized Cost Fair Value, Assets Measured on Recurring Basis Schedule of Deferred Tax Assets and Liabilities Schedule of Available for Sale Securities Net purchases of Federal Home Loan Bank stock Net purchases of Federal Home Loan Bank stock Accrued interest receivable {1} Accrued interest receivable Treasury stock purchased Comprehensive income Common Stock, Shares Authorized Deposits Goodwill Line of Credit Credit Facility Securities Sold under Agreements to Repurchase {1} Securities Sold under Agreements to Repurchase Other, net Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount Deferred tax assets purchase accounting adjustments Represents the monetary amount of Deferred Tax Assets Purchase Accounting Adjustments, as of the indicated date. Income tax provision, total Represents the monetary amount of Income tax provision, total, during the indicated time period. Net income Asset Class Construction Real Estate Represents the Construction Real Estate, during the indicated time period. Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Fair Value Available For Sale Securities Gross Unrealized Losses Represents the monetary amount of Available For Sale Securities Gross Unrealized Losses, as of the indicated date. Mortgage-backed Securities, Issued by US Government Sponsored Enterprises Finite-Lived Intangible Assets, Amortization Expense, Year Two Finite-Lived Intangible Assets, Accumulated Amortization Financing Receivable Credit Quality Indicators Construction Lending Represents the textual narrative disclosure of Construction Lending, during the indicated time period. Comprehensive Income, Policy Stock Options Represents the textual narrative disclosure of Stock Options, during the indicated time period. Property, Plant and Equipment, Policy NOTE 6: Premises and Equipment Conversion of Loans to Foreclosed Real Estate Represents the monetary amount of Conversion of Loans to Foreclosed Real Estate, during the indicated time period. Purchases of premises and equipment Deferred income taxes Stock Option and Stock Grant Expense Represents the monetary amount of Stock Option and Stock Grant Expense, during the indicated time period. Diluted earnings per common share Postage and office supplies Earnings on bank owned life insurance NONINTEREST INCOME: Mortgage-backed securities Advances from FHLB of Des Moines Entity Address, City or Town Entity Address, Address Line One Credit Facility [Axis] Fair Value Hierarchy and NAV [Axis] Federal Net Operating Loss Carryforwards Represents the monetary amount of Federal Net Operating Loss Carryforwards, during the indicated time period. Consolidated Statement of Income Represents the Consolidated Statement of Income, during the indicated time period. Consolidated Entities Finance Lease, Liability Certain Loans Acquired In Transfer Accretable Yield Disposals Represents the monetary amount of Certain Loans Acquired In Transfer Accretable Yield Disposals, during the indicated time period. Pass Financing Receivable, Individually Evaluated for Impairment Beginning of Period Represents the Beginning of Period, during the indicated time period. Loans Receivable, Gross Represents the Loans Receivable, Gross, during the indicated time period. Commercial Loan Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss Other Debt Obligations Commercial Real Estate Lending Represents the textual narrative disclosure of Commercial Real Estate Lending, during the indicated time period. Other Securities Policy Represents the textual narrative disclosure of Other Securities Policy, during the indicated time period. Principles of Consolidation Policy Note 12: Fair Value Measurements Note 7: Deposits Interest (net of interest credited) Cash paid for the capital stock Represents the monetary amount of Cash paid for the capital stock, during the indicated time period. Increase in cash and cash equivalents Dividends paid on common stock {1} Dividends paid on common stock Proceeds from sale of foreclosed assets Net increase in loans Prepaid expenses and other assets {1} Prepaid expenses and other assets INCOME TAXES Common Stock, Par or Stated Value Per Share Note payable Stock in FHLB of Des Moines City Area Code Tax Identification Number (TIN) Trading Exchange Fiscal Year End Subordinated Debt {1} Subordinated Debt Cash and Cash Equivalents Financial Assets Represents the Financial Assets, during the indicated time period. Fair Value, Inputs, Level 2 Business Acquisition, Acquiree Business Acquisition [Axis] State Net Operating Loss Carryforwards Represents the monetary amount of State Net Operating Loss Carryforwards, during the indicated time period. Operating Leases, Future Minimum Payments, Remainder of Fiscal Year Lessee Expected Lease Terms Represents the description of Lessee Expected Lease Terms, during the indicated time period. Initial Leases and Lease Modifications and Renewals Represents the monetary amount of Initial Leases and Lease Modifications and Renewals, as of the indicated date. Investment modifications Included in Nonaccrual Loans Represents the Included in Nonaccrual Loans, during the indicated time period. Number of Purchased Credit Impaired Loans Represents the pure numeric value of Number of Purchased Credit Impaired Loans, during the indicated time period. Construction Loan Payable Short-term Debt, Type SEC Schedule, 12-09, Allowance, Loan and Lease Loss U.S. Government and Federal Agency Obligations Represents the U.S. Government and Federal Agency Obligations, during the indicated time period. Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Amortized Cost US States and Political Subdivisions Debt Securities US Government-sponsored Enterprises Debt Securities Finite-Lived Intangible Assets, Amortization Expense, after Year Five Finite-Lived Intangible Assets, Amortization Expense, Year Five Gains (Losses) Recognized on Assets Measured on a Nonrecurring Basis Represents the textual narrative disclosure of Gains (Losses) Recognized on Assets Measured on a Nonrecurring Basis, during the indicated time period. Fair Value Measurements, Nonrecurring Credit Losses Recognized on Investments Policy Represents the textual narrative disclosure of Credit Losses Recognized on Investments Policy, during the indicated time period. Income Tax, Policy Foreclosed Real Estate Represents the textual narrative disclosure of Foreclosed Real Estate, during the indicated time period. Note 10: 401(k) Retirement Plan Supplemental disclosures of cash flow information: Proceeds from issuance of long term debt Depreciation Subordinated debt {1} Subordinated debt Securities sold under agreements to repurchase {1} Securities sold under agreements to repurchase INTEREST EXPENSE: Total assets Total assets Title of 12(b) Security Accrued interest receivable {2} Accrued interest receivable Represents the Accrued interest receivable, during the indicated time period. Unobservable Measurement Input, Uncertainty, Description Marketability discount Represents the Marketability discount, during the indicated time period. Third party appraisal Represents the Third party appraisal, during the indicated time period. Assumed floating rate junior subordinated debt securities Represents the monetary amount of Assumed floating rate junior subordinated debt securities, during the indicated time period. Other Deferred Tax Assets, Gross Deferred Tax Assets Accrued Compensation and Benefits Represents the monetary amount of Deferred Tax Assets Accrued Compensation and Benefits, as of the indicated date. Deposits, Negotiable Order of Withdrawal (NOW) Noninterest-bearing Deposit Liabilities Buildings and improvements Performing Loans Represents the Performing Loans, during the indicated time period. Impaired Financing Receivable With and Without Related Allowance Specific Allowance Represents the monetary amount of Impaired Financing Receivable With and Without Related Allowance Specific Allowance, as of the indicated date. Total Loans Represents the Total Loans, during the indicated time period. Substandard End of Period Represents the End of Period, during the indicated time period. Consumer Loan Schedule of Acquired Loans in Transfer Accretable Yield Represents the textual narrative disclosure of Schedule of Acquired Loans in Transfer Accretable Yield, during the indicated time period. Schedule of Impaired Loans Represents the textual narrative disclosure of Schedule of Impaired Loans, during the indicated time period. Schedule of Accounts, Notes, Loans and Financing Receivable Intangible Assets, Finite-Lived, Policy Marketable Securities, Policy Note 5: Accounting For Certain Loans Acquired in A Transfer Net cash used in investing activities Proceeds from maturities of available for sale securities Cash Flows From Operating Activities: Stock option expense Net Income Stockholders' Equity, Total Comprehensive Income (Loss), Net Represents the monetary amount of Comprehensive Income (Loss), Net, during the indicated time period. Compensation and benefits Total noninterest income Other income NET INTEREST INCOME Common stock, $.01 par value; 25,000,000 shares authorized; 9,328,184 and 9,324,659 shares issued, respectively, at December 31, 2019 and June 30, 2019 Common stock, $.01 par value; 25,000,000 shares authorized; 9,328,184 and 9,324,659 shares issued, respectively, at December 31, 2019 and June 30, 2019 Stock in Federal Reserve Bank of St. Louis Local Phone Number Entity Address, Postal Zip Code Income Tax Expense, Actual Represents the monetary amount of Income Tax Expense, Actual, during the indicated time period. Increase (Decrease) in Taxes Represents the Increase (Decrease) in Taxes, during the indicated time period. Deferred Tax Liabilities Depreciation Represents the monetary amount of Depreciation, as of the indicated date. Current Income Tax Expense (Benefit) Operating Leases, Future Minimum Payments, Due in Two Years Cash paid for amounts included in the measurement of lease liabilities Represents the Cash paid for amounts included in the measurement of lease liabilities, during the indicated time period. Consolidated Entities [Axis] Loans Receivable {1} Loans Receivable Deferred loan fees, net Represents the Deferred loan fees, net, during the indicated time period. Available for sale Securities Gross Unrealized Gain Represents the monetary amount of Available for sale Securities Gross Unrealized Gain, as of the indicated date. Total investments and mortgage-backed securities Represents the Total investments and mortgage-backed securities, during the indicated time period. Real Estate Investments, Net Entity Incorporation, Date of Incorporation Schedule of Acquired Loans With Credit Deterioration Represents the textual narrative disclosure of Schedule of Acquired Loans With Credit Deterioration, during the indicated time period. Change in Unrealized Loss on Available for Sale Securities Represents the monetary amount of Change in Unrealized Loss on Available for Sale Securities, during the indicated time period. Advances from FHLB of Des Moines {1} Advances from FHLB of Des Moines Subordinated debt Premises and equipment, net Loans receivable, net of allowance for loan losses of $20,814 and $19,903 at December 31, 2019 and June 30, 2019, respectively Shell Company Voluntary filer SEC Form Interest-bearing time deposits {1} Interest-bearing time deposits Represents the Interest-bearing time deposits, during the indicated time period. Fair Value Measurements Nonrecurring Range of discounts Applied Represents the description of Fair Value Measurements Nonrecurring Range of discounts Applied, during the indicated time period. Reported Value Measurement Liability Class [Axis] Interest-bearing Domestic Deposit, Certificates of Deposits Right of Use Asset, Operating Leases Represents the monetary amount of Right of Use Asset, Operating Leases, during the indicated time period. Operating Lease, Weighted Average Discount Rate, Percent Loans and Leases Receivable, Impaired, Interest Income Recognized, Change in Present Value Attributable to Passage of Time Impaired Financing Receivable With No Related Allowance Specific Allowance Represents the monetary amount of Impaired Financing Receivable With No Related Allowance Specific Allowance, as of the indicated date. Financing Receivable, Credit Quality, Additional Information Financing Receivable Credit Quality Indicators {1} Financing Receivable Credit Quality Indicators Represents the monetary amount of Financing Receivable Credit Quality Indicators, as of the indicated date. Watch Represents the Watch, during the indicated time period. Construction Loans Other securities Represents the Other securities, during the indicated time period. Financial Instruments Schedule of Effective Income Tax Rate Reconciliation New Accounting Pronouncements Loans Policy Net (decrease) increase in certificates of deposits Cash flows from financing activities: Accounts payable and other liabilities {1} Accounts payable and other liabilities Net amortization of premiums and discounts on securities Concentration Risk Benchmark [Axis] AOCI Attributable to Parent Entity Address, State or Province Entity File Number Number of common stock shares outstanding Investment in Stock of Federal Reserve Bank of St. Louis Represents the Investment in Stock of Federal Reserve Bank of St. Louis, during the indicated time period. Financial Liabilities Represents the Financial Liabilities, during the indicated time period. Measurement Frequency Foreclosed and repossessed assets Represents the Foreclosed and repossessed assets, during the indicated time period. Tax Credit Benefits Represents the monetary amount of Tax Credit Benefits, during the indicated time period. Unrealized gain on available for sale securities Deferred tax liabilities purchase accounting adjustments Represents the monetary amount of Deferred Tax Liabilities Purchase Accounting Adjustments, as of the indicated date. Deferred Tax Assets, Tax Credit Carryforwards, Alternative Minimum Tax Options Outstanding With An Exercise Price In Excess of the Market Price Represents the pure numeric value of Options Outstanding With An Exercise Price In Excess of the Market Price, as of the indicated date. Deposits, Money Market Deposits Operating Cash Flows from Operating Leases Represents the monetary amount of Operating Cash Flows from Operating Leases, during the indicated time period. Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance Financial Asset, Equal to or Greater than 90 Days Past Due Financial Asset, Period Past Due Financing Receivable, Credit Loss, Expense (Reversal) Collateral Investments {1} Investments Financial Instrument [Axis] Schedule of Financial Instruments Represents the textual narrative disclosure of Schedule of Financial Instruments, during the indicated time period. Fair Value Option, Disclosures Schedule of Earnings Per Share, Basic and Diluted Commercial Business Lending Represents the textual narrative disclosure of Commercial Business Lending, during the indicated time period. Bank Owned Life Insurance {1} Bank Owned Life Insurance Represents the textual narrative disclosure of Bank Owned Life Insurance, during the indicated time period. ROU assets obtained in exchange for operating lease obligations: Right of use assets obtained in exchange for lease obligations: Operating Leases Net cash provided by financing activities Purchase of Treasury Stock Represents the monetary amount of Purchase of Treasury Stock, during the indicated time period. Increase in cash surrender value of bank owned life insurance (BOLI) Gain (Loss) on Disposal of Fixed Assets Represents the monetary amount of Gain Loss on Disposal of Fixed Assets, during the indicated time period. Dividends paid on common stock Common Stock Unrealized gains on securities available-for-sale Basic earnings per common share Amortization of intangible assets Intangible amortization Advertising Note Payable Represents the monetary amount of Note Payable, during the indicated time period. Total liabilities and stockholders' equity Note payable {1} Note payable Represents the Note payable, during the indicated time period. Fair Value Measurements Nonrecurring Weighted Average Discount Applied Represents the description of Fair Value Measurements Nonrecurring Weighted Average Discount Applied, during the indicated time period. Fair Value Measurements, Valuation Processes, Description Measurement Frequency [Axis] Total losses on assets measured on a non-recurring basis Represents the Total losses on assets measured on a non-recurring basis, during the indicated time period. Peoples Service Company, Inc. Represents the Peoples Service Company, Inc., during the indicated time period. Cash Surrender Value Of Bank-owned Life Insurance Represents the monetary amount of Cash Surrender Value Of Bank-owned Life Insurance, during the indicated time period. Deferred Tax Liabilities, Net Operating Leases, Future Minimum Payments, Due Thereafter Certain Loans Acquired In Transfer Accretable Yield Reclassification from Nonaccretable Difference Represents the monetary amount of Certain Loans Acquired In Transfer Accretable Yield Reclassification from Nonaccretable Difference, during the indicated time period. Outstanding Balance Represents the Outstanding Balance, during the indicated time period. Internal Credit Assessment Statistical Measurement [Axis] Receivable Residential Mortgage Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Amortized Cost Available-for-sale Securities Estimated Fair Value Represents the monetary amount of Available-for-sale Securities Estimated Fair Value, as of the indicated date. Investment Type [Axis] Consumer Lending Represents the textual narrative disclosure of Consumer Lending, during the indicated time period. Federal Reserve Bank and Federal Home Loan Bank Stock Represents the textual narrative disclosure of Federal Reserve Bank and Federal Home Loan Bank Stock, during the indicated time period. Note 4: Loans and Allowance for Loan Losses Note 1: Basis of Presentation Net cash paid for acquisition Changes in: Represents the description of Changes In:, during the indicated time period. Proceeds from sales of loans held for sale (Loss) gain on sale/write-down of REO Statement [Line Items] NET INCOME Net Income Loan Late Charges Represents the monetary amount of Loan Late Charges, during the indicated time period. Investment securities Accumulated other comprehensive income (loss) Additional paid-in capital Cash and cash equivalents Cash and cash equivalents at beginning of period Cash and cash equivalents at end of period Document Fiscal Period Focus Filer Category Public Float Fair value on a recurring basis Represents the monetary amount of Fair value on a recurring basis, as of the indicated date. Deferred Income Taxes and Tax Credits Weighted Average Number of Shares Outstanding, Basic Impaired Financing Receivable With Related Allowance Specific Allowance Represents the monetary amount of Impaired Financing Receivable With Related Allowance Specific Allowance, as of the indicated date. Nonperforming Financial Instruments Loans without a specific valuation allowance Represents the Loans without a specific valuation allowance, during the indicated time period. Financial Asset, Period Past Due [Axis] Total by Credit Quality Indicator Represents the Total by Credit Quality Indicator, during the indicated time period. Financing Receivables Allowance for Credit Losses Acquired with Deteriorated Credit Quality Represents the monetary amount of Financing Receivables Allowance for Credit Losses Acquired with Deteriorated Credit Quality, during the indicated time period. Receivable Type [Axis] Debt and equity securities amortized cost Represents the monetary amount of Debt and equity securities amortized cost, as of the indicated date. Finite-Lived Core Deposits, Gross Contractual Obligation, Fiscal Year Maturity Schedule Repurchase Agreements, Collateral, Policy Note 3: Securities Conversion of Loans to Repossessed Assets Represents the monetary amount of Conversion of Loans to Repossessed Assets, during the indicated time period. Net increase (decrease) in demand deposits and savings accounts Proceeds from sale of fixed assets Originations of loans held for sale Originations of loans held for sale Amortizataion of Purchase Accounting Adjustments Represents the monetary amount of Amortization of Purchase Accounting Adjustments, during the indicated time period. Common stock issued, value Represents the monetary amount of Common stock issued value, during the indicated time period. 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Disclosure - Note 8: Earnings Per Share link:presentationLink link:definitionLink link:calculationLink 001140 - Disclosure - Note 9: Income Taxes (Details) link:presentationLink link:definitionLink link:calculationLink 000420 - Disclosure - Note 3: Securities: Repurchase Agreements, Collateral, Policy (Policies) link:presentationLink link:definitionLink link:calculationLink 000860 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Accounts, Notes, Loans and Financing Receivable (Details) link:presentationLink link:definitionLink link:calculationLink 000720 - Disclosure - Note 9: Income Taxes: Reconciliation of Income Tax Expense at the Statutory Rate to Actual Income Tax (Tables) link:presentationLink link:definitionLink link:calculationLink 000310 - Disclosure - Note 2: Organization and Summary of Significant Accounting Policies: Bank Owned Life Insurance (Policies) link:presentationLink link:definitionLink link:calculationLink 001060 - Disclosure - NOTE 6: Premises and Equipment: Operating Lease Expense (Details) link:presentationLink link:definitionLink link:calculationLink 000880 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment (Details) link:presentationLink link:definitionLink link:calculationLink 000440 - Disclosure - Note 3: Securities: Credit Losses Recognized on Investments Policy (Policies) link:presentationLink link:definitionLink link:calculationLink 000390 - Disclosure - Note 2: Organization and Summary of Significant Accounting Policies: Comprehensive Income, Policy (Policies) link:presentationLink link:definitionLink link:calculationLink 001190 - Disclosure - Note 12: Fair Value Measurements: Fair Value Measurements, Nonrecurring (Details) link:presentationLink link:definitionLink link:calculationLink 000690 - Disclosure - Note 8: Earnings Per Share: Schedule of Earnings Per Share, Basic and Diluted (Tables) link:presentationLink link:definitionLink link:calculationLink 000190 - Disclosure - Note 12: Fair Value Measurements link:presentationLink link:definitionLink link:calculationLink 000990 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Performing Loans Classified as Troubled Debt Restructuring Loans (Details) link:presentationLink link:definitionLink link:calculationLink 000450 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Residential Mortgage Lending (Policies) link:presentationLink link:definitionLink link:calculationLink 000570 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Loan Portfolio Aging Analysis (Tables) link:presentationLink link:definitionLink link:calculationLink 001150 - Disclosure - Note 9: Income Taxes: Reconciliation of Income Tax Expense at the Statutory Rate to Actual Income Tax (Details) link:presentationLink link:definitionLink link:calculationLink 000020 - Statement - Condensed Consolidated Balance Sheets link:presentationLink link:definitionLink link:calculationLink 000920 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Loan Portfolio Aging Analysis (Details) link:presentationLink link:definitionLink link:calculationLink 000590 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Interest Income Recognized on Impaired Loans (Tables) link:presentationLink link:definitionLink link:calculationLink 000470 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Construction Lending (Policies) link:presentationLink link:definitionLink link:calculationLink 000610 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Debtor Troubled Debt Restructuring, Current Period (Tables) link:presentationLink link:definitionLink link:calculationLink 000380 - Disclosure - Note 2: Organization and Summary of Significant Accounting Policies: Earnings Per Share, Policy (Policies) link:presentationLink link:definitionLink link:calculationLink XML 10 R47.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Construction Lending (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Construction Lending

Construction Lending. The Company originates real estate loans secured by property or land that is under construction or development. Construction loans originated by the Company are generally secured by mortgage loans for the construction of owner-occupied residential real estate or to finance speculative construction secured by residential real estate, land development, or owner-operated or non-owner-occupied commercial real estate. During construction, these loans typically require monthly interest-only payments and have maturities ranging from six to twelve months. Once construction is completed, permanent construction loans may be converted to monthly payments using amortization schedules of up to 30 years on residential and generally up to 25 years on commercial real estate.

 

While the Company typically utilizes maturity periods ranging from 6 to 12 months to closely monitor the inherent risks associated with construction loans, weather conditions, change orders, availability of materials and/or labor, and other factors may contribute to the lengthening of a project, thus necessitating the need to renew the construction loan at the balloon maturity.  Such extensions are typically executed in incremental three month periods to facilitate project completion.  The Company’s average term of construction loans is approximately eight months.  During construction, loans typically require monthly interest only payments which may allow the Company an opportunity to monitor for early signs of financial difficulty should the borrower fail to make a required monthly payment.  Additionally, during the construction phase, the Company typically performs interim inspections which further allow the Company opportunity to assess risk.  At December 31, 2019, construction loans outstanding included 64 loans, totaling $30.0 million, for which a modification had been agreed to.  At June 30, 2019, construction loans outstanding included 59 loans, totaling $27.2 million, for which a modification had been agreed to. All modifications were solely for the purpose of extending the maturity date due to conditions described above.  None of these modifications were executed due to financial difficulty on the part of the borrower and, therefore, were not accounted for as TDRs.
XML 11 R43.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 3: Securities: Other Securities Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Other Securities Policy

Other securities.  At December 31, 2019, there were two pooled trust preferred securities with an estimated fair value of $752,000 and unrealized losses of $222,000 in a continuous unrealized loss position for twelve months or more. These unrealized losses were primarily due to the long-term nature of the pooled trust preferred securities and a reduced demand for these securities, and concerns regarding the financial institutions that issued the underlying trust preferred securities.

 

The December 31, 2019, cash flow analysis for these two securities indicated it is probable the Company will receive all contracted principal and related interest projected. The cash flow analysis used in making this determination was based on anticipated default, recovery, and prepayment rates, and the resulting cash flows were discounted based on the yield spread anticipated at the time the securities were purchased. Other inputs include the actual collateral attributes, which include credit ratings and other performance indicators of the underlying financial institutions, including profitability, capital ratios, and asset quality. Assumptions for these two securities included prepayments averaging 1.6 percent, annually, annual defaults averaging 50 basis points, and a recovery rate averaging 10 percent of gross defaults, lagged two years.

 

The Company does not believe any other individual unrealized loss as of December 31, 2019, represents other-than-temporary impairment (OTTI). However, the Company could be required to recognize OTTI losses in future periods with respect to its available for sale investment securities portfolio. The amount and timing of any required OTTI will depend on the decline in the underlying cash flows of the securities. Should the impairment of any of these securities become other-than-temporary, the cost basis of the investment will be reduced and the resulting loss recognized in the period the OTTI is identified.
XML 12 R98.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 5: Accounting For Certain Loans Acquired in A Transfer: Schedule of Acquired Loans With Credit Deterioration (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Outstanding Balance    
Certain Loans and Debt Securities Acquired in Transfer, Allowance for Credit Losses Due to Subsequent Impairment $ 29,954 $ 36,368
Carrying Amount of Acquired Loans    
Certain Loans and Debt Securities Acquired in Transfer, Allowance for Credit Losses Due to Subsequent Impairment [1] 24,110 28,547
Consumer Loan    
Certain Loans and Debt Securities Acquired in Transfer, Allowance for Credit Losses Due to Subsequent Impairment 0 0
Commercial Loan    
Certain Loans and Debt Securities Acquired in Transfer, Allowance for Credit Losses Due to Subsequent Impairment 7,349 8,381
Construction Loan Payable    
Certain Loans and Debt Securities Acquired in Transfer, Allowance for Credit Losses Due to Subsequent Impairment 1,340 1,397
Residential Real Estate    
Certain Loans and Debt Securities Acquired in Transfer, Allowance for Credit Losses Due to Subsequent Impairment 1,532 1,921
Commercial Real Estate    
Certain Loans and Debt Securities Acquired in Transfer, Allowance for Credit Losses Due to Subsequent Impairment $ 19,733 $ 24,669
[1] Fair value adjustment of $5,844 and $7,821 at December 31, 2019 and June 30, 2019, respectively.
XML 13 R68.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 7: Deposits: Schedule of Deposit Liabilities (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Deposit Liabilities

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Non-interest bearing accounts

$

223,604

 

$

218,889

NOW accounts

 

658,073

 

 

639,219

Money market deposit accounts

 

204,143

 

 

188,355

Savings accounts

 

166,140

 

 

167,973

Certificates

 

662,654

 

 

679,259

    Total Deposit Accounts

$

1,914,614

 

$

1,893,695
XML 14 R90.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Purchased Credit Impaired Loans Credit Quality Indicators (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Pass    
Purchased Credit Impaired Loans $ 6,000 $ 6,900
Watch    
Purchased Credit Impaired Loans 10,600 10,400
Special Mention    
Purchased Credit Impaired Loans 0 0
Substandard    
Purchased Credit Impaired Loans 7,500 11,200
Doubtful    
Purchased Credit Impaired Loans $ 0 $ 0
XML 15 R60.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Schedule of Financing Receivables, Non Accrual Status (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Financing Receivables, Non Accrual Status

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Residential real estate

$

4,397

 

$

6,404

Construction real estate

 

-

 

 

-

Commercial real estate

 

5,212

 

 

10,876

Consumer loans

 

179

 

 

309

Commercial loans

 

631

 

 

3,424

     Total loans

$

10,419

 

$

21,013
XML 16 R64.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 5: Accounting For Certain Loans Acquired in A Transfer: Schedule of Acquired Loans in Transfer Accretable Yield (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Acquired Loans in Transfer Accretable Yield

 

 

For the three-month period ended

(dollars in thousands)

 

December 31, 2019

 

 

December 31, 2018

Balance at beginning of period

$

183

 

$

305

 Additions

 

-

 

 

102

 Accretion

 

(79)

 

 

(144)

 Reclassification from nonaccretable difference

 

83

 

 

108

 Disposals

 

-

 

 

-

Balance at end of period

$

187

 

$

371

 

 

For the six-month period ended

(dollars in thousands)

 

December 31, 2019

 

 

December 31, 2018

Balance at beginning of period

$

220

 

$

589

 Additions

 

-

 

 

102

 Accretion

 

(163)

 

 

(1,089)

 Reclassification from nonaccretable difference

 

130

 

 

973

 Disposals

 

-

 

 

(204)

Balance at end of period

$

187

 

$

371

 
XML 17 R94.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Schedule of Interest Income Recognized on Impaired Loans (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Total Loans        
Impaired Financing Receivable, Average Recorded Investment $ 24,298 $ 19,681 $ 25,713 $ 17,976
Impaired Financing Receivable Interest Income Recognized 519 600 1,018 1,720
Consumer Loan        
Impaired Financing Receivable, Average Recorded Investment 0 0 0 0
Impaired Financing Receivable Interest Income Recognized 0 0 0 0
Commercial Loan        
Impaired Financing Receivable, Average Recorded Investment 5,760 3,356 5,904 3,054
Impaired Financing Receivable Interest Income Recognized 121 102 214 718
Construction Loan Payable        
Impaired Financing Receivable, Average Recorded Investment 1,300 1,295 1,302 1,295
Impaired Financing Receivable Interest Income Recognized 36 41 84 142
Residential Real Estate        
Impaired Financing Receivable, Average Recorded Investment 1,482 1,844 1,549 2,300
Impaired Financing Receivable Interest Income Recognized 22 28 45 61
Commercial Real Estate        
Impaired Financing Receivable, Average Recorded Investment 15,756 13,186 16,958 11,327
Impaired Financing Receivable Interest Income Recognized $ 340 $ 429 $ 675 $ 799
XML 18 R116.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 12: Fair Value Measurements: Fair Value, Assets Measured on Recurring Basis (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
US Government-sponsored Enterprises Debt Securities    
Fair value on a recurring basis $ 3,295 $ 7,270
US States and Political Subdivisions Debt Securities    
Fair value on a recurring basis 42,238 42,783
Other Debt Obligations    
Fair value on a recurring basis 5,023 5,053
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises    
Fair value on a recurring basis $ 125,287 $ 110,429
XML 19 R112.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 9: Income Taxes (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2019
Details    
Federal Net Operating Loss Carryforwards $ 963  
State Net Operating Loss Carryforwards $ 1,700  
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent 21.00% 21.00%
XML 20 R22.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Principles of Consolidation Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Principles of Consolidation Policy

Principles of Consolidation. The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank. All significant intercompany accounts and transactions have been eliminated.

 
XML 21 R26.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Marketable Securities, Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Marketable Securities, Policy When the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. As a result of this guidance, the Company’s consolidated balance sheet as of the dates presented reflects the full impairment (that is, the difference between the security’s amortized cost basis and fair value) on debt securities that the Company intends to sell or would more likely than not be required to sell before the expected recovery of the amortized cost basis. For available-for-sale debt securities that management has no intent to sell and believes that it more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income. The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow projections.
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htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 11: Subordinated Debt
 6 Months Ended
Dec. 31, 2019
Notes  
Note 11: Subordinated Debt

Note 11:  Subordinated Debt

 

Southern Missouri Statutory Trust I issued $7.0 million of Floating Rate Capital Securities (the “Trust Preferred Securities”) with a liquidation value of $1,000 per share in March 2004. The securities are due in 30 years, redeemable after five years and bear interest at a floating rate based on LIBOR. At December 31, 2019, the current rate was 4.65%. The securities represent undivided beneficial interests in the trust, which was established by the Company for the purpose of issuing the securities. The Trust Preferred Securities were sold in a private transaction exempt from registration under the Securities Act of 1933, as amended (the “Act”) and have not been registered under the Act.  The securities may not be offered or sold in the United States absent registration or an applicable exemption from registration requirements.

 

Southern Missouri Statutory Trust I used the proceeds from the sale of the Trust Preferred Securities to purchase Junior Subordinated Debentures of the Company. The Company used its net proceeds for working capital and investment in its subsidiaries.

 

In connection with its October 2013 acquisition of Ozarks Legacy Community Financial, Inc. (OLCF), the Company assumed $3.1 million in floating rate junior subordinated debt securities. The debt securities had been issued in June 2005 by OLCF in connection with the sale of trust preferred securities, bear interest at a floating rate based on LIBOR, are now redeemable at par, and mature in 2035. At December 31, 2019, the current rate was 4.34%. The carrying value of the debt securities was approximately $2.7 million at December 31, 2019 and $2.6 million at June 30, 2019.

 

In connection with its August 2014 acquisition of Peoples Service Company, Inc. (PSC), the Company assumed $6.5 million in floating rate junior subordinated debt securities. The debt securities had been issued in 2005 by PSC’s subsidiary bank holding company, Peoples Banking Company, in connection with the sale of trust preferred securities, bear interest at a floating rate based on LIBOR, are now redeemable at par, and mature in 2035. At December 31, 2019, the current rate was 3.69%.  The carrying value of the debt securities was approximately $5.2 million at December 31 and June 30, 2019.

 

XML 24 R10.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 3: Securities
 6 Months Ended
Dec. 31, 2019
Notes  
Note 3: Securities

Note 3:  Securities

 

The amortized cost, gross unrealized gains, gross unrealized losses, and approximate fair value of securities available for sale consisted of the following:

 

 

December 31, 2019

 

 

 

 

 

Gross

 

 

Gross

 

 

Estimated

 

 

Amortized

 

 

Unrealized

 

 

Unrealized

 

 

Fair

(dollars in thousands)

 

Cost

 

 

Gains

 

 

Losses

 

 

Value

 

 

 

 

 

 

 

 

 

 

 

 

Investment and mortgage backed securities:

 

 

 

 

 

 

 

 

 

 

 

 U.S. government-sponsored enterprises (GSEs)

$

3,291

 

$

5

 

$

(1)

 

$

3,295

 State and political subdivisions

 

41,445

 

 

811

 

 

(18)

 

 

42,238

 Other securities

 

5,172

 

 

78

 

 

(227)

 

 

5,023

 Mortgage-backed GSE residential

 

123,769

 

 

1,724

 

 

(206)

 

 

125,287

    Total investments and mortgage-backed securities

$

173,677

 

$

2,618

 

$

(452)

 

$

175,843

 

 

June 30, 2019

 

 

 

 

 

Gross

 

 

Gross

 

 

Estimated

 

 

Amortized

 

 

Unrealized

 

 

Unrealized

 

 

Fair

(dollars in thousands)

 

Cost

 

 

Gains

 

 

Losses

 

 

Value

 

 

 

 

 

 

 

 

 

 

 

 

Investment and mortgage backed securities:

 

 

 

 

 

 

 

 

 

 

 

 U.S. government-sponsored enterprises (GSEs)

$

7,284

 

$

1

 

$

(15)

 

$

7,270

 State and political subdivisions

 

42,123

 

 

728

 

 

(68)

 

 

42,783

 Other securities

 

5,176

 

 

75

 

 

(198)

 

 

5,053

 Mortgage-backed GSE residential

 

109,297

 

 

1,449

 

 

(317)

 

 

110,429

    Total investments and mortgage-backed securities

$

163,880

 

$

2,253

 

$

(598)

 

$

165,535

 

The amortized cost and estimated fair value of investment and mortgage-backed securities, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.

 

 

December 31, 2019

 

Amortized

Estimated

(dollars in thousands)

Cost

Fair Value

  Within one year

$                     4,801

$                     4,805

  After one year but less than five years

                        8,495

                        8,569

  After five years but less than ten years

                     17,376

                     17,663

  After ten years

                     19,236

                     19,519

     Total investment securities

                     49,908

                     50,556

  Mortgage-backed securities

                   123,769

                   125,287

    Total investments and mortgage-backed securities

$                 173,677

$                 175,843

 

The carrying value of investment and mortgage-backed securities pledged as collateral to secure public deposits and securities sold under agreements to repurchase amounted to $123.8 million at December 31, 2019 and $143.7 million at June 30, 2019.  The securities pledged consist of marketable securities, including $1.6 million and $5.6 million of U.S. Government and Federal Agency Obligations, $36.5 million and $47.3 million of Mortgage-Backed Securities, $51.8 million and $55.7 million of Collateralized Mortgage Obligations, $33.8 million and $34.9 million of State and Political Subdivisions Obligations, and $200,000 and $300,000 of Other Securities at December 31 and June 30, 2019, respectively.

 

The following tables reflect the Company’s investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31 and June 30, 2019:

 

 

December 31, 2019

 

Less than 12 months

 

12 months or more

 

Total

 

 

 

Unrealized

 

 

 

Unrealized

 

 

 

Unrealized

 

Fair Value

 

Losses

 

Fair Value

 

Losses

 

Fair Value

 

Losses

(dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

U.S. government-sponsored

enterprises (GSEs)

$

-

 

$

-

 

$

998

 

$

1

 

$

998

 

$

1

Obligations of state and political

subdivisions

 

2,293

 

 

9

 

 

2,192

 

 

9

 

 

4,485

 

 

18

Other securities

 

-

 

 

-

 

 

949

 

 

227

 

 

949

 

 

227

Mortgage-backed securities

 

33,472

 

 

141

 

 

10,263

 

 

65

 

 

43,735

 

 

206

 Total investments and mortgage-

   backed securities

$

35,765

 

$

150

 

$

14,402

 

$

302

 

$

50,167

 

$

452

 

 

June 30, 2019

 

Less than 12 months

 

12 months or more

 

Total

 

 

 

Unrealized

 

 

 

Unrealized

 

 

 

Unrealized

 

Fair Value

 

Losses

 

Fair Value

 

Losses

 

Fair Value

 

Losses

(dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

U.S. government-sponsored

enterprises (GSEs)

$

-

 

$

-

 

$

$6,969

 

$

15

 

$

6,969

 

$

15

Obligations of state and political

subdivisions

 

-

 

 

-

 

 

8,531

 

 

68

 

 

8,531

 

 

68

Other securities

 

-

 

 

-

 

 

985

 

 

198

 

 

985

 

 

198

Mortgage-backed securities

 

1,175

 

 

1

 

 

34,148

 

 

316

 

 

35,323

 

 

317

 Total investments and mortgage-

   backed securities

$

1,175

 

$

1

 

$

50,633

 

$

597

 

$

51,808

 

$

598

 

 

Other securities.  At December 31, 2019, there were two pooled trust preferred securities with an estimated fair value of $752,000 and unrealized losses of $222,000 in a continuous unrealized loss position for twelve months or more. These unrealized losses were primarily due to the long-term nature of the pooled trust preferred securities and a reduced demand for these securities, and concerns regarding the financial institutions that issued the underlying trust preferred securities.

 

The December 31, 2019, cash flow analysis for these two securities indicated it is probable the Company will receive all contracted principal and related interest projected. The cash flow analysis used in making this determination was based on anticipated default, recovery, and prepayment rates, and the resulting cash flows were discounted based on the yield spread anticipated at the time the securities were purchased. Other inputs include the actual collateral attributes, which include credit ratings and other performance indicators of the underlying financial institutions, including profitability, capital ratios, and asset quality. Assumptions for these two securities included prepayments averaging 1.6 percent, annually, annual defaults averaging 50 basis points, and a recovery rate averaging 10 percent of gross defaults, lagged two years.

 

One of these two securities has continued to receive cash interest payments in full since purchase; the other security received principal-in-kind (PIK), in lieu of cash interest, for a period of time following the recession and financial crisis which began in 2008, but resumed cash interest payments during fiscal 2014. The Company’s cash flow analysis indicates that cash interest payments are expected to continue for both securities. Because the Company does not intend to sell these securities and it is not more-likely-than-not that the Company will be required to sell these securities prior to recovery of their amortized cost basis, which may be maturity, the Company does not consider these investments to be other-than-temporarily impaired at December 31, 2019.

 

The Company does not believe any other individual unrealized loss as of December 31, 2019, represents other-than-temporary impairment (OTTI). However, the Company could be required to recognize OTTI losses in future periods with respect to its available for sale investment securities portfolio. The amount and timing of any required OTTI will depend on the decline in the underlying cash flows of the securities. Should the impairment of any of these securities become other-than-temporary, the cost basis of the investment will be reduced and the resulting loss recognized in the period the OTTI is identified.

 

Credit losses recognized on investments.  During fiscal 2009, the Company adopted ASC 820, formerly FASB Staff Position 157-4, “Determining Fair Value When the Volume and Level of Activity for the Asset or Liability Have Significantly Decreased and Identifying Transactions That Are Not Orderly.”  There were no credit losses recognized in income and other losses or recorded in other comprehensive income for the three- and six- month periods ended December 31, 2019 and 2018.

 
XML 25 R103.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
NOTE 6: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Details) - USD ($)
$ in Thousands
 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
ROU assets obtained in exchange for operating lease obligations: $ 1,996 $ 0
Consolidated Balance Sheet    
Right of Use Asset, Operating Leases 1,988  
Liability, Operating Leases 1,988  
Consolidated Statement of Income    
Operating Lease Costs Classified as Occupancy and Equipment Expense [1] 109  
Supplemental disclosures of cash flow information    
ROU assets obtained in exchange for operating lease obligations: 2,004  
Supplemental disclosures of cash flow information | Cash paid for amounts included in the measurement of lease liabilities    
Operating Cash Flows from Operating Leases $ 78  
[1] Includes short-term lease costs.
XML 26 R14.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 7: Deposits
 6 Months Ended
Dec. 31, 2019
Notes  
Note 7: Deposits

Note 7:  Deposits

 

Deposits are summarized as follows:

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Non-interest bearing accounts

$

223,604

 

$

218,889

NOW accounts

 

658,073

 

 

639,219

Money market deposit accounts

 

204,143

 

 

188,355

Savings accounts

 

166,140

 

 

167,973

Certificates

 

662,654

 

 

679,259

    Total Deposit Accounts

$

1,914,614

 

$

1,893,695

 
XML 27 R107.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 7: Deposits: Schedule of Deposit Liabilities (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Details    
Noninterest-bearing Deposit Liabilities $ 223,604 $ 218,889
Deposits, Negotiable Order of Withdrawal (NOW) 658,073 639,219
Deposits, Money Market Deposits 204,143 188,355
Deposits, Savings Deposits 166,140 167,973
Interest-bearing Domestic Deposit, Certificates of Deposits 662,654 679,259
Deposits, Domestic $ 1,914,614 $ 1,893,695
XML 28 R4.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Condensed Consolidated Statements of Income - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
INTEREST INCOME:        
Loans $ 25,421 $ 22,785 $ 51,060 $ 43,701
Investment securities 503 738 1,023 1,255
Mortgage-backed securities 691 649 1,408 1,232
Other interest-earning assets 31 35 77 61
Total interest income 26,646 24,207 53,568 46,249
INTEREST EXPENSE:        
Deposits 6,448 4,925 13,026 8,934
Securities sold under agreements to repurchase 0 8 0 16
Advances from FHLB of Des Moines 573 932 1,095 1,531
Note Payable 34 48 71 83
Subordinated debt 214 226 439 450
Total interest expense 7,269 6,139 14,631 11,014
NET INTEREST INCOME 19,377 18,068 38,937 35,235
PROVISION FOR LOAN LOSSES 388 314 1,284 995
Net Interest Income After Provision for Loan Losses 18,989 17,754 37,653 34,240
NONINTEREST INCOME:        
Deposit Account Charges and Related Fees 1,632 1,286 3,055 2,510
Bank card interchange income 1,311 1,182 2,672 2,245
Loan Late Charges 121 120 267 214
Loan Servicing Fees 103 154 233 312
Other Loan Fees 354 377 597 714
Net realized gains on sale of loans 203 141 476 320
Earnings on bank owned life insurance 253 594 507 840
Other income 357 200 627 328
Total noninterest income 4,334 4,054 8,434 7,483
NONINTEREST EXPENSE:        
Compensation and benefits 6,993 6,445 14,118 12,492
Occupancy and equipment, net 2,967 2,671 5,856 5,141
Deposit insurance premiums 0 145 0 283
Legal and professional fees 239 254 422 510
Advertising 283 278 593 593
Postage and office supplies 178 193 361 345
Intangible amortization 441 374 882 770
Bank Card Network Expense 680 496 1,298 991
Other operating expense 1,904 1,696 3,116 2,875
Total noninterest expense 13,685 12,552 26,646 24,000
INCOME BEFORE INCOME TAXES 9,638 9,256 19,441 17,723
INCOME TAXES 1,921 1,802 3,896 3,469
NET INCOME $ 7,717 $ 7,454 $ 15,545 $ 14,254
Basic earnings per common share $ 0.84 $ 0.82 $ 1.69 $ 1.57
Diluted earnings per common share 0.84 0.81 1.68 1.57
Dividends per common share $ 0.15 $ 0.13 $ 0.30 $ 0.26
XML 29 R37.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Stock Options (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Stock Options Stock Options. Compensation cost is measured based on the grant-date fair value of the equity instruments issued, and recognized over the vesting period during which an employee provides service in exchange for the award.
XML 30 R8.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 1: Basis of Presentation
 6 Months Ended
Dec. 31, 2019
Notes  
Note 1: Basis of Presentation

Note 1:  Basis of Presentation

 

The accompanying unaudited interim consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Securities and Exchange Commission (SEC) Regulation S-X. Accordingly, they do not include all of the information and footnotes required by accounting principles generally accepted in the United States of America for complete financial statements. In the opinion of management, all material adjustments (consisting only of normal recurring accruals) considered necessary for a fair presentation have been included. The consolidated balance sheet of the Company as of June 30, 2019, has been derived from the audited consolidated balance sheet of the Company as of that date. Operating results for the three- and six- month periods ended December 31, 2019, are not necessarily indicative of the results that may be expected for the entire fiscal year. For additional information, refer to the audited consolidated financial statements included in the Company’s June 30, 2019, Form 10-K, which was filed with the SEC.

 

The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, Southern Bank. All significant intercompany accounts and transactions have been eliminated in consolidation.
XML 31 R33.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Intangible Assets, Finite-Lived, Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Intangible Assets, Finite-Lived, Policy Other Intangible Assets.  The Company’s other intangible assets at December 31, 2019 included gross core deposit intangibles of $14.7 million with $7.8 million accumulated amortization and mortgage servicing rights of $1.4 million. At June 30, 2019, the Company’s intangible assets included gross core deposit intangibles of $14.7 million with $6.9 million accumulated amortization and mortgage servicing rights of $1.5 million. The Company’s core deposit intangible assets are being amortized using the straight line method, over periods ranging from five to seven years, with amortization expense expected to be approximately $882,000 in the remainder of fiscal 2020, $1.3 million in fiscal 2021 through fiscal 2024, and $1.0 million in total thereafter. As of June 30, 2019, there was no impairment indicated, and the Company believes there continues to be no impairment of other intangible assets at December 31, 2019.
XML 32 R120.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 12: Fair Value Measurements: Schedule of Financial Instruments (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Letter of Credit    
Financial Instruments Owned Carrying Amount $ 0 $ 0
Line of Credit    
Financial Instruments Owned Carrying Amount 0 0
Financial Assets | Cash and Cash Equivalents    
Financial Instruments Owned Carrying Amount 41,043 35,400
Financial Assets | Interest-bearing time deposits    
Financial Instruments Owned Carrying Amount 972 969
Financial Assets | Investment in Federal Home Loan Bank Stock    
Financial Instruments Owned Carrying Amount 8,172  
Financial Assets | Investment in Stock of Federal Reserve Bank of St. Louis    
Financial Instruments Owned Carrying Amount 4,350 4,350
Financial Assets | Loans Receivable    
Financial Instruments Owned Carrying Amount 1,922,785 1,846,405
Financial Assets | Accrued interest receivable    
Financial Instruments Owned Carrying Amount 11,292 10,189
Financial Assets | Investment in Federal Home Loan Bank Stock    
Financial Instruments Owned Carrying Amount   5,233
Financial Liabilities | Deposits    
Financial Instruments Owned Carrying Amount 1,914,614 1,893,695
Financial Liabilities | Securities Sold under Agreements to Repurchase    
Financial Instruments Owned Carrying Amount 0 4,376
Financial Liabilities | Federal Home Loan Bank Advances    
Financial Instruments Owned Carrying Amount 114,646 44,908
Financial Liabilities | Note payable    
Financial Instruments Owned Carrying Amount 3,000 3,000
Financial Liabilities | Accrued interest payable    
Financial Instruments Owned Carrying Amount 1,925 2,099
Financial Liabilities | Subordinated Debt    
Financial Instruments Owned Carrying Amount 15,093 15,043
Commitments to Extend Credit    
Financial Instruments Owned Carrying Amount $ 0 $ 0
XML 33 R52.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 3: Securities: Contractual Obligation, Fiscal Year Maturity Schedule (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Contractual Obligation, Fiscal Year Maturity Schedule

 

 

December 31, 2019

 

Amortized

Estimated

(dollars in thousands)

Cost

Fair Value

  Within one year

$                     4,801

$                     4,805

  After one year but less than five years

                        8,495

                        8,569

  After five years but less than ten years

                     17,376

                     17,663

  After ten years

                     19,236

                     19,519

     Total investment securities

                     49,908

                     50,556

  Mortgage-backed securities

                   123,769

                   125,287

    Total investments and mortgage-backed securities

$                 173,677

$                 175,843

 
XML 34 R56.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Financing Receivable Credit Quality Indicators (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Financing Receivable Credit Quality Indicators

 

 

December 31, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

$

532,574

 

$

96,814

 

$

813,762

 

$

101,258

 

$

342,224

Watch

 

1,009

 

 

-

 

 

20,812

 

 

166

 

 

6,255

Special Mention

 

103

 

 

-

 

 

3,436

 

 

26

 

 

-

Substandard

 

5,730

 

 

-

 

 

12,466

 

 

171

 

 

6,796

Doubtful

 

-

 

 

-

 

 

-

 

 

-

 

 

-

     Total

$

539,416

 

$

96,814

 

$

850,476

 

$

101,621

 

$

355,275

 

 

June 30, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

Pass

$

482,869

 

$

80,134

 

$

802,479

 

$

97,012

 

$

341,069

Watch

 

1,236

 

 

-

 

 

21,693

 

 

170

 

 

7,802

Special Mention

 

103

 

 

-

 

 

3,463

 

 

26

 

 

-

Substandard

 

7,784

 

 

-

 

 

13,142

 

 

291

 

 

7,003

Doubtful

 

-

 

 

-

 

 

-

 

 

35

 

 

-

     Total

$

491,992

 

$

80,134

 

$

840,777

 

$

97,534

 

$

355,874

 
XML 35 R85.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 3: Securities: Other Securities Policy: Pooled Trust Preferred Securities (Details)
$ in Thousands
Dec. 31, 2019
USD ($)
Details  
Number of Pooled Trust Preferred Securities 2
Fair Value of Pooled Trust Preferred Securities Held $ 752
Unrealized Losses on Pooled Trust Preferred Securities in a Continuous Unrealized Loss Position for 12 Months or More $ 222
XML 36 R75.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 12: Fair Value Measurements: Gains (Losses) Recognized on Assets Measured on a Nonrecurring Basis (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Gains (Losses) Recognized on Assets Measured on a Nonrecurring Basis

 

 

 

 

For the six months ended

(dollars in thousands)

 

 

 

December 31, 2019

 

 

December 31, 2018

Foreclosed and repossessed assets held for sale

 

 

$

(96)

 

$

(222)

     Total (losses) gains on assets measured on a non-recurring basis

$

(96)

 

$

(222)

 
XML 37 R71.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 9: Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Deferred Tax Assets and Liabilities

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Deferred tax assets:

 

 

 

 

 

 Provision for losses on loans

$

4,873

 

$

4,601

 Accrued compensation and benefits

 

567

 

 

692

 NOL carry forwards acquired

 

174

 

 

199

 Minimum Tax Credit

 

130

 

 

130

 Unrealized loss on other real estate

 

51

 

 

134

 Purchase accounting adjustments

 

-

 

 

255

 Losses and credits from LLC's

 

1,100

 

 

1,206

Total deferred tax assets

 

6,895

 

 

7,217

 

 

 

 

 

 

Deferred tax liabilities:

 

 

 

 

 

 Purchase accounting adjustments

 

164

 

 

-

 Depreciation

 

1,411

 

 

1,749

 FHLB stock dividends

 

120

 

 

120

 Prepaid expenses

 

238

 

 

313

 Unrealized gain on available for sale securities

 

477

 

 

364

 Other

 

-

 

 

61

Total deferred tax liabilities

 

2,410

 

 

2,607

 

 

 

 

 

 

     Net deferred tax asset

$

4,485

 

$

$4,610

 
XML 38 R81.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 3: Securities: Schedule of Available for Sale Securities (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Other securities    
Available-for-sale Securities, Amortized Cost Basis $ 5,172 $ 5,176
Available for sale Securities Gross Unrealized Gain 78 75
Available For Sale Securities Gross Unrealized Losses (227) (198)
Available-for-sale Securities Estimated Fair Value 5,023 5,053
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises    
Available-for-sale Securities, Amortized Cost Basis 123,769 109,297
Available for sale Securities Gross Unrealized Gain 1,724 1,449
Available For Sale Securities Gross Unrealized Losses (206) (317)
Available-for-sale Securities Estimated Fair Value 125,287 110,429
Total investments and mortgage-backed securities    
Available-for-sale Securities, Amortized Cost Basis 173,677 163,880
Available for sale Securities Gross Unrealized Gain 2,618 2,253
Available For Sale Securities Gross Unrealized Losses (452) (598)
Available-for-sale Securities Estimated Fair Value 175,843 165,535
US Government-sponsored Enterprises Debt Securities    
Available-for-sale Securities, Amortized Cost Basis 3,291 7,284
Available for sale Securities Gross Unrealized Gain 5 1
Available For Sale Securities Gross Unrealized Losses (1) (15)
Available-for-sale Securities Estimated Fair Value 3,295 7,270
US States and Political Subdivisions Debt Securities    
Available-for-sale Securities, Amortized Cost Basis 41,445 42,123
Available for sale Securities Gross Unrealized Gain 811 728
Available For Sale Securities Gross Unrealized Losses (18) (68)
Available-for-sale Securities Estimated Fair Value $ 42,238 $ 42,783
XML 39 R79.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Cash and Cash Equivalents, Policy (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Details    
Cash Due and Interest-Bearing Deposits in Other Depository Institutions $ 5,300 $ 6,900
XML 40 R89.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Financing Receivable Credit Quality Indicators (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Consumer Loan | Pass    
Financing Receivable Credit Quality Indicators $ 101,258 $ 97,012
Consumer Loan | Watch    
Financing Receivable Credit Quality Indicators 166 170
Consumer Loan | Special Mention    
Financing Receivable Credit Quality Indicators 26 26
Consumer Loan | Substandard    
Financing Receivable Credit Quality Indicators 171 291
Consumer Loan | Doubtful    
Financing Receivable Credit Quality Indicators 0 35
Consumer Loan | Total by Credit Quality Indicator    
Financing Receivable Credit Quality Indicators 101,621 97,534
Commercial Loan | Pass    
Financing Receivable Credit Quality Indicators 342,224 341,069
Commercial Loan | Watch    
Financing Receivable Credit Quality Indicators 6,255 7,802
Commercial Loan | Special Mention    
Financing Receivable Credit Quality Indicators 0 0
Commercial Loan | Substandard    
Financing Receivable Credit Quality Indicators 6,796 7,003
Commercial Loan | Doubtful    
Financing Receivable Credit Quality Indicators 0 0
Commercial Loan | Total by Credit Quality Indicator    
Financing Receivable Credit Quality Indicators 355,275 355,874
Construction Loan Payable | Pass    
Financing Receivable Credit Quality Indicators 96,814 80,134
Construction Loan Payable | Watch    
Financing Receivable Credit Quality Indicators 0 0
Construction Loan Payable | Special Mention    
Financing Receivable Credit Quality Indicators 0 0
Construction Loan Payable | Substandard    
Financing Receivable Credit Quality Indicators 0 0
Construction Loan Payable | Doubtful    
Financing Receivable Credit Quality Indicators 0 0
Construction Loan Payable | Total by Credit Quality Indicator    
Financing Receivable Credit Quality Indicators 96,814 80,134
Residential Real Estate | Pass    
Financing Receivable Credit Quality Indicators 532,574 482,869
Residential Real Estate | Watch    
Financing Receivable Credit Quality Indicators 1,009 1,236
Residential Real Estate | Special Mention    
Financing Receivable Credit Quality Indicators 103 103
Residential Real Estate | Substandard    
Financing Receivable Credit Quality Indicators 5,730 7,784
Residential Real Estate | Doubtful    
Financing Receivable Credit Quality Indicators 0 0
Residential Real Estate | Total by Credit Quality Indicator    
Financing Receivable Credit Quality Indicators 539,416 491,992
Commercial Real Estate | Pass    
Financing Receivable Credit Quality Indicators 813,762 802,479
Commercial Real Estate | Watch    
Financing Receivable Credit Quality Indicators 20,812 21,693
Commercial Real Estate | Special Mention    
Financing Receivable Credit Quality Indicators 3,436 3,463
Commercial Real Estate | Substandard    
Financing Receivable Credit Quality Indicators 12,466 13,142
Commercial Real Estate | Doubtful    
Financing Receivable Credit Quality Indicators 0 0
Commercial Real Estate | Total by Credit Quality Indicator    
Financing Receivable Credit Quality Indicators $ 850,476 $ 840,777
XML 41 R11.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses
 6 Months Ended
Dec. 31, 2019
Notes  
Note 4: Loans and Allowance for Loan Losses

Note 4:  Loans and Allowance for Loan Losses

 

Classes of loans are summarized as follows:

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Real Estate Loans:

 

 

 

 

 

     Residential

$

539,416

 

$

491,992

     Construction

 

169,195

 

 

123,287

     Commercial

 

850,476

 

 

840,777

Consumer loans

 

101,621

 

 

97,534

Commercial loans

 

355,275

 

 

355,874

  

 

2,015,983

 

 

1,909,464

Loans in process

 

(72,381)

 

 

(43,153)

Deferred loan fees, net

 

(3)

 

 

(3)

Allowance for loan losses

 

(20,814)

 

 

(19,903)

     Total loans

$

1,922,785

 

$

1,846,405

 

 

The Company’s lending activities consist of origination of loans secured by mortgages on one- to four-family residences and commercial and agricultural real estate, construction loans on residential and commercial properties, commercial and agricultural business loans and consumer loans. The Company has also occasionally purchased loan participation interests originated by other lenders and secured by properties generally located in the states of Missouri and Arkansas.

 

Residential Mortgage Lending. The Company actively originates loans for the acquisition or refinance of one- to four-family residences.  This category includes both fixed-rate and adjustable-rate mortgage (“ARM”) loans amortizing over periods of up to 30 years, and the properties securing such loans may be owner-occupied or non-owner-occupied.  Single-family residential loans do not generally exceed 90% of the lower of the appraised value or purchase price of the secured property.  Substantially all of the one- to four-family residential mortgage originations in the Company’s portfolio are located within the Company’s primary lending area.

 

The Company also originates loans secured by multi-family residential properties that are often located outside the Company’s primary lending area but made to borrowers who operate within the Company’s primary market area.  The majority of the multi-family residential loans that are originated by the Bank are amortized over periods generally up to 25 years, with balloon maturities typically up to ten years. Both fixed and adjustable interest rates are offered and it is typical for the Company to include an interest rate “floor” and “ceiling” in the loan agreement. Generally, multi-family residential loans do not exceed 85% of the lower of the appraised value or purchase price of the secured property.

 

Commercial Real Estate Lending. The Company actively originates loans secured by commercial real estate including land (improved, unimproved, and farmland), strip shopping centers, retail establishments and other businesses. These properties are typically owned and operated by borrowers headquartered within the Company’s primary lending area, however, the property may be located outside our primary lending area.

 

Most commercial real estate loans originated by the Company generally are based on amortization schedules of up to 25 years with monthly principal and interest payments. Generally, the interest rate received on these loans is fixed for a maturity for up to seven years, with a balloon payment due at maturity. Alternatively, for some loans, the interest rate adjusts at least annually after an initial period up to seven years. The Company typically includes an interest rate “floor” in the loan agreement. Generally, improved commercial real estate loan amounts do not exceed 80% of the lower of the appraised value or the purchase price of the secured property. Agricultural real estate terms offered differ slightly, with amortization schedules of up to 25 years with an 80% loan-to-value ratio, or 30 years with a 75% loan-to-value ratio.

 

 

Construction Lending. The Company originates real estate loans secured by property or land that is under construction or development. Construction loans originated by the Company are generally secured by mortgage loans for the construction of owner-occupied residential real estate or to finance speculative construction secured by residential real estate, land development, or owner-operated or non-owner-occupied commercial real estate. During construction, these loans typically require monthly interest-only payments and have maturities ranging from six to twelve months. Once construction is completed, permanent construction loans may be converted to monthly payments using amortization schedules of up to 30 years on residential and generally up to 25 years on commercial real estate.

 

While the Company typically utilizes maturity periods ranging from 6 to 12 months to closely monitor the inherent risks associated with construction loans, weather conditions, change orders, availability of materials and/or labor, and other factors may contribute to the lengthening of a project, thus necessitating the need to renew the construction loan at the balloon maturity.  Such extensions are typically executed in incremental three month periods to facilitate project completion.  The Company’s average term of construction loans is approximately eight months.  During construction, loans typically require monthly interest only payments which may allow the Company an opportunity to monitor for early signs of financial difficulty should the borrower fail to make a required monthly payment.  Additionally, during the construction phase, the Company typically performs interim inspections which further allow the Company opportunity to assess risk.  At December 31, 2019, construction loans outstanding included 64 loans, totaling $30.0 million, for which a modification had been agreed to.  At June 30, 2019, construction loans outstanding included 59 loans, totaling $27.2 million, for which a modification had been agreed to. All modifications were solely for the purpose of extending the maturity date due to conditions described above.  None of these modifications were executed due to financial difficulty on the part of the borrower and, therefore, were not accounted for as TDRs.

 

Consumer Lending. The Company offers a variety of secured consumer loans, including home equity, direct and indirect automobile loans, second mortgages, mobile home loans and loans secured by deposits. The Company originates substantially all of its consumer loans in its primary lending area. Consumer loans are typically originated with fixed rates for terms of up to five years, with the exception of home equity lines of credit, which are typically originated with adjustable rates, tied to the prime rate of interest, and for a period of ten years.

 

Home equity lines of credit (HELOCs) are secured with a deed of trust and are issued up to 100% of the appraised or assessed value of the property securing the line of credit, less the outstanding balance on the first mortgage. Interest rates on the HELOCs are generally adjustable and based upon the loan-to-value ratio of the property, with better rates given to borrowers with more equity.

 

Automobile loans originated by the Company include both direct loans and a smaller amount of loans originated by auto dealers. The Company generally pays a negotiated fee back to the dealer for indirect loans. Typically, automobile loans are made for terms of up to 60 months for new and used vehicles. Loans secured by automobiles have fixed rates and are generally made in amounts up to 100% of the purchase price of the vehicle.

 

Commercial Business Lending. The Company’s commercial business lending activities encompass loans with a variety of purposes and security, including loans to finance accounts receivable, inventory, equipment and operating lines of credit, including agricultural production and equipment loans. The Company offers both fixed and adjustable rate commercial business loans. Generally, commercial loans secured by fixed assets are amortized over periods up to five years, while commercial operating lines of credit or agricultural production lines are generally for a one year period.

 

 

The following tables present the balance in the allowance for loan losses and the recorded investment in loans (excluding loans in process and deferred loan fees) based on portfolio segment and impairment methods as of December 31 and June 30, 2019, and activity in the allowance for loan losses for the three- and six- month periods ended December 31, 2019 and 2018:

 

 

 

At period end and for the six months ended December 31, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, beginning of period

$

3,706

 

$

1,365

 

$

9,399

 

$

1,046

 

$

4,387

 

$

19,903

 Provision charged to expense

 

160

 

 

292

 

 

413

 

 

92

 

 

327

 

 

1,284

 Losses charged off

 

(172)

 

 

-

 

 

-

 

 

(97)

 

 

(147)

 

 

(416)

 Recoveries

 

18

 

 

-

 

 

15

 

 

9

 

 

1

 

 

43

   Balance, end of period

$

3,712

 

$

1,657

 

$

9,827

 

$

1,050

 

$

4,568

 

$

20,814

   Ending Balance: individually

     evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

   Ending Balance: collectively

     evaluated for impairment

$

3,712

 

$

1,657

 

$

9,827

 

$

1,050

 

$

4,568

 

$

20,814

   Ending Balance: loans acquired

     with deteriorated credit quality

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Ending Balance: individually

   evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 Ending Balance: collectively

   evaluated for impairment

$

538,121

 

$

95,518

 

$

835,045

 

$

101,621

 

$

349,186

 

$

1,919,491

 Ending Balance: loans acquired

   with deteriorated credit quality

$

1,295

 

$

1,296

 

$

15,431

 

$

-

 

$

6,089

 

$

24,111

 

 

For the three months ended December 31, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, beginning of period

$

3,572

 

$

1,539

 

$

9,789

 

$

1,074

 

$

4,736

 

$

20,710

 Provision charged to expense

 

294

 

 

118

 

 

37

 

 

(4)

 

 

(57)

 

 

388

 Losses charged off

 

(172)

 

 

-

 

 

-

 

 

(26)

 

 

(112)

 

 

(310)

 Recoveries

 

18

 

 

-

 

 

1

 

 

6

 

 

1

 

 

26

 Balance, end of period

$

3,712

 

$

1,657

 

$

9,827

 

$

1,050

 

$

4,568

 

$

20,814

 

 

 

At period end and for the six months ended December 31, 2018

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, beginning of period

$

3,226

 

$

1,097

 

$

8,793

 

$

902

 

$

4,196

 

$

18,214

 Provision charged to expense

 

415

 

 

94

 

 

319

 

 

80

 

 

87

 

 

995

 Losses charged off

 

(9)

 

 

-

 

 

(120)

 

 

(20)

 

 

(47)

 

 

(196)

 Recoveries

 

1

 

 

-

 

 

3

 

 

5

 

 

1

 

 

10

 Balance, end of period

$

3,633

 

$

1,191

 

$

8,995

 

$

967

 

$

4,237

 

$

19,023

 Ending Balance: individually

   evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 Ending Balance: collectively

   evaluated for impairment

$

3,633

 

$

1,191

 

$

8,995

 

$

967

 

$

4,237

 

$

19,023

 Ending Balance: loans acquired

   with deteriorated credit quality

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

 

For the three months ended December 31, 2018

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, beginning of period

$

3,349

 

$

1,293

 

$

8,733

 

$

981

 

$

4,434

 

$

18,790

 Provision charged to expense

 

293

 

 

(102)

 

 

284

 

 

(11)

 

 

(150)

 

 

314

 Losses charged off

 

(9)

 

 

-

 

 

(25)

 

 

(3)

 

 

(47)

 

 

(84)

 Recoveries

 

-

 

 

-

 

 

3

 

 

-

 

 

-

 

 

3

 Balance, end of period

$

3,633

 

$

1,191

 

$

8,995

 

$

967

 

$

4,237

 

$

19,023

 

 

At June 30, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, end of period

$

3,706

 

$

1,365

 

$

9,399

 

$

1,046

 

$

4,387

 

$

19,903

 Ending Balance: individually

   evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 Ending Balance: collectively

   evaluated for impairment

$

3,706

 

$

1,365

 

$

9,399

 

$

1,046

 

$

4,387

 

$

19,903

 Ending Balance: loans acquired

   with deteriorated credit quality

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

     

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Ending Balance: individually

   evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 Ending Balance: collectively

   evaluated for impairment

$

490,307

 

$

78,826

 

$

821,415

 

$

97,534

 

$

349,681

 

$

1,837,763

 Ending Balance: loans acquired

   with deteriorated credit quality

$

1,685

 

$

1,308

 

$

19,362

 

$

-

 

$

6,193

 

$

28,548

 

 

Management’s opinion as to the ultimate collectability of loans is subject to estimates regarding future cash flows from operations and the value of property, real and personal, pledged as collateral. These estimates are affected by changing economic conditions and the economic prospects of borrowers.

 

The allowance for loan losses is maintained at a level that, in management’s judgment, is adequate to cover probable credit losses inherent in the loan portfolio at the balance sheet date. The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when an amount is determined to be uncollectible, based on management’s analysis of expected cash flow (for non-collateral-dependent loans) or collateral value (for collateral-dependent loans). Subsequent recoveries, if any, are credited to the allowance.

 

The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

 

The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan.

 

Under the Company’s allowance methodology, loans are first segmented into 1) those comprising large groups of homogeneous loans, which are collectively evaluated for impairment, and 2) all other loans which are individually evaluated.  Those loans in the second category are further segmented utilizing a defined grading system which involves categorizing loans by severity of risk based on conditions that may affect the ability of the borrowers to repay their debt, such as current financial information, collateral valuations, historical payment experience, credit documentation, public information, and current trends.  The loans subject to credit classification represent the portion of the portfolio subject to the greatest credit risk and where adjustments to the allowance for losses on loans as a result of provisions and charge offs are most likely to have a significant impact on operations.

 

A periodic review of selected credits (based on loan size and type) is conducted to identify loans with heightened risk or probable losses and to assign risk grades.  The primary responsibility for this review rests with loan administration personnel.  This review is supplemented with periodic examinations of both selected credits and the credit review process by the Company’s internal audit function and applicable regulatory agencies.  The information from these reviews assists management in the timely identification of problems and potential problems and provides a basis for deciding whether the credit represents a probable loss or risk that should be recognized.

 

The Company considers, as the primary quantitative factor in its allowance methodology, average net charge offs over the most recent twelve-month period.  The Company also reviews average net charge offs over the most recent five-year period.

 

A loan is considered impaired when, based on current information and events, it is probable that the scheduled payments of principal or interest will not be able to be collected when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and agricultural loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent.

 

Groups of loans with similar risk characteristics are collectively evaluated for impairment based on the group’s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, individual consumer and residential loans are not separately identified for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.

 

The general component covers non-classified loans and is based on historical charge-off experience and expected loss given the internal risk rating process. The loan portfolio is stratified into homogeneous groups of loans that possess similar loss characteristics and an appropriate loss ratio adjusted for qualitative factors is applied to the homogeneous pools of loans to estimate the incurred losses in the loan portfolio.

 

Included in the Company’s loan portfolio are certain loans accounted for in accordance with ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality. These loans were written down at acquisition to an amount estimated to be collectible. As a result, certain ratios regarding the Company’s loan portfolio and credit quality cannot be used to compare the Company to peer companies or to compare the Company’s current credit quality to prior periods. The ratios particularly affected by accounting under ASC 310-30 include the allowance for loan losses as a percentage of loans, nonaccrual loans, and nonperforming assets, and nonaccrual loans and nonperforming loans as a percentage of total loans.

 

The following tables present the credit risk profile of the Company’s loan portfolio (excluding loans in process and deferred loan fees) based on rating category and payment activity as of December 31 and June 30, 2019. These tables include purchased credit impaired loans, which are reported according to risk categorization after acquisition based on the Company’s standards for such classification:

 

 

December 31, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

$

532,574

 

$

96,814

 

$

813,762

 

$

101,258

 

$

342,224

Watch

 

1,009

 

 

-

 

 

20,812

 

 

166

 

 

6,255

Special Mention

 

103

 

 

-

 

 

3,436

 

 

26

 

 

-

Substandard

 

5,730

 

 

-

 

 

12,466

 

 

171

 

 

6,796

Doubtful

 

-

 

 

-

 

 

-

 

 

-

 

 

-

     Total

$

539,416

 

$

96,814

 

$

850,476

 

$

101,621

 

$

355,275

 

 

June 30, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

Pass

$

482,869

 

$

80,134

 

$

802,479

 

$

97,012

 

$

341,069

Watch

 

1,236

 

 

-

 

 

21,693

 

 

170

 

 

7,802

Special Mention

 

103

 

 

-

 

 

3,463

 

 

26

 

 

-

Substandard

 

7,784

 

 

-

 

 

13,142

 

 

291

 

 

7,003

Doubtful

 

-

 

 

-

 

 

-

 

 

35

 

 

-

     Total

$

491,992

 

$

80,134

 

$

840,777

 

$

97,534

 

$

355,874

 

 

The above amounts include purchased credit impaired loans. At December 31, 2019, purchased credited impaired loans comprised $6.0 million of credits rated “Pass”; $10.6 million of credits rated “Watch”; none rated “Special Mention”; $7.5 million of credits rated “Substandard”; and none rated “Doubtful”. At June 30, 2019,  purchased credit impaired loans accounted for $6.9 million of credits rated “Pass”; $10.4 million of credits rated “Watch”; none rated “Special Mention”; $11.2 million of credits rated “Substandard”; and none rated “Doubtful”.

 

 

Credit Quality Indicators.  The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends among other factors.  The Company analyzes loans individually by classifying the loans as to credit risk.  This analysis is performed on all loans at origination, and is updated on a quarterly basis for loans risk rated Special Mention, Substandard, or Doubtful.  In addition, lending relationships of $2 million or more, exclusive of any consumer or owner-occupied residential loan, are subject to an annual credit analysis which is prepared by the loan administration department and presented to a loan committee with appropriate lending authority. A sample of lending relationships in excess of $1 million (exclusive of single-family residential real estate loans) are subject to an independent loan review annually, in order to verify risk ratings.  The Company uses the following definitions for risk ratings:

 

Watch – Loans classified as watch exhibit weaknesses that require more than usual monitoring. Issues may include deteriorating financial condition, payments made after due date but within 30 days, adverse industry conditions or management problems.

 

Special Mention – Loans classified as special mention exhibit signs of further deterioration but still generally make payments within 30 days. This is a transitional rating and loans should typically not be rated Special Mention for more than 12 months

 

Substandard – Loans classified as substandard possess weaknesses that jeopardize the ultimate collection of the principal and interest outstanding. These loans exhibit continued financial losses, ongoing delinquency, overall poor financial condition, and insufficient collateral. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

 

Doubtful – Loans classified as doubtful have all the weaknesses of substandard loans, and have deteriorated to the level that there is a high probability of substantial loss.

 

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be Pass rated loans.

 

The following tables present the Company’s loan portfolio aging analysis (excluding loans in process and deferred loan fees) as of December 31 and June 30, 2019.  These tables include purchased credit impaired loans, which are reported according to aging analysis after acquisition based on the Company’s standards for such classification:

 

 

December 31, 2019

 

 

 

 

 

 

 

 

Greater Than

 

 

 

 

 

 

 

 

 

 

 

Greater Than 90

 

 

30-59 Days

 

 

60-89 Days

 

 

90 Days

 

 

Total

 

 

 

 

 

Total Loans

 

 

Days Past Due

(dollars in thousands)

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Current

 

 

Receivable

 

 

and Accruing

Real Estate Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Residential

$

1,457

 

$

1,246

 

$

1,442

 

$

4,145

 

$

535,271

 

$

539,416

 

$

-

 Construction

 

-

 

 

-

 

 

-

 

 

-

 

 

96,814

 

 

96,814

 

 

-

 Commercial

 

576

 

 

296

 

 

3,020

 

 

3,892

 

 

846,584

 

 

850,476

 

 

-

Consumer loans

 

475

 

 

136

 

 

173

 

 

784

 

 

100,837

 

 

101,621

 

 

1

Commercial loans

 

277

 

 

230

 

 

225

 

 

732

 

 

354,543

 

 

355,275

 

 

-

 Total loans

$

2,785

 

$

1,908

 

$

4,860

 

$

9,553

 

$

1,934,049

 

$

1,943,602

 

$

1

 

 

June 30, 2019

 

 

 

 

 

 

 

 

Greater Than

 

 

 

 

 

 

 

 

 

 

 

Greater Than 90

 

 

30-59 Days

 

 

60-89 Days

 

 

90 Days

 

 

Total

 

 

 

 

 

Total Loans

 

 

Days Past Due

(dollars in thousands)

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Current

 

 

Receivable

 

 

and Accruing

Real Estate Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Residential

$

227

 

$

1,054

 

$

1,714

 

$

2,995

 

$

488,997

 

$

491,992

 

$

-

 Construction

 

-

 

 

-

 

 

-

 

 

-

 

 

80,134

 

 

80,134

 

 

-

 Commercial

 

296

 

 

1

 

 

5,617

 

 

5,914

 

 

834,863

 

 

840,777

 

 

-

Consumer loans

 

128

 

 

46

 

 

176

 

 

350

 

 

97,184

 

 

97,534

 

 

-

Commercial loans

 

424

 

 

25

 

 

1,902

 

 

2,351

 

 

353,523

 

 

355,874

 

 

-

 Total loans

$

1,075

 

$

1,126

 

$

9,409

 

$

11,610

 

$

1,854,701

 

$

1,866,311

 

$

-

 

 

At December 31, 2019 there were no purchased credit impaired loans that were greater than 90 days past due.  At June 30, 2019 there was one purchased credit impaired loan with net fair value of $3.1 million that was greater than 90 days past due.

 

A loan is considered impaired, in accordance with the impairment accounting guidance (ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming loans, as well as performing loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection.

 

The tables below present impaired loans (excluding loans in process and deferred loan fees) as of December 31 and June 30, 2019. These tables include purchased credit impaired loans. Purchased credit impaired loans are those for which it was deemed probable, at acquisition, that the Company would be unable to collect all contractually required payments receivable. In an instance where, subsequent to the acquisition, the Company determines it is probable, for a specific loan, that cash flows received will exceed the amount previously expected, the Company will recalculate the amount of accretable yield in order to recognize the improved cash flow expectation as additional interest income over the remaining life of the loan. These loans, however, will continue to be reported as impaired loans. In an instance where, subsequent to the acquisition, the Company determines it is probable, for a specific loan, that cash flows received will be less than the amount previously expected, the Company will allocate a specific allowance under the terms of ASC 310-10-35.

 

 

December 31, 2019

 

 

Recorded

 

 

Unpaid Principal

 

 

Specific

(dollars in thousands)

 

Balance

 

 

Balance

 

 

Allowance

Loans without a specific valuation allowance:

 

 

 

 

 

 

 

 

 Residential real estate

$

4,086

 

$

4,322

 

$

-

 Construction real estate

 

1,295

 

 

1,340

 

 

-

 Commercial real estate

 

22,008

 

 

26,310

 

 

-

 Consumer loans

 

-

 

 

-

 

 

-

 Commercial loans

 

6,813

 

 

8,073

 

 

-

Loans with a specific valuation allowance:

 

 

 

 

 

 

 

 

 Residential real estate

$

-

 

$

-

 

$

-

 Construction real estate

 

-

 

 

-

 

 

-

 Commercial real estate

 

-

 

 

-

 

 

-

 Consumer loans

 

-

 

 

-

 

 

-

 Commercial loans

 

-

 

 

-

 

 

-

Total:

 

 

 

 

 

 

 

 

 Residential real estate

$

4,086

 

$

4,322

 

$

-

 Construction real estate

$

1,295

 

$

1,340

 

$

-

 Commercial real estate

$

22,008

 

$

26,310

 

$

-

 Consumer loans

$

-

 

$

-

 

$

-

 Commercial loans

$

6,813

 

$

8,073

 

$

-

 

 

June 30, 2019

 

 

Recorded

 

 

Unpaid Principal

 

 

Specific

(dollars in thousands)

 

Balance

 

 

Balance

 

 

Allowance

Loans without a specific valuation allowance:

 

 

 

 

 

 

 

 

 Residential real estate

$

5,104

 

$

5,341

 

$

-

 Construction real estate

 

1,330

 

 

1,419

 

 

-

 Commercial real estate

 

26,410

 

 

31,717

 

 

-

 Consumer loans

 

8

 

 

8

 

 

-

 Commercial loans

 

6,999

 

 

9,187

 

 

-

Loans with a specific valuation allowance:

 

 

 

 

 

 

 

 

 Residential real estate

$

-

 

$

-

 

$

-

 Construction real estate

 

-

 

 

-

 

 

-

 Commercial real estate

 

-

 

 

-

 

 

-

 Consumer loans

 

-

 

 

-

 

 

-

 Commercial loans

 

-

 

 

-

 

 

-

Total:

 

 

 

 

 

 

 

 

 Residential real estate

$

5,104

 

$

5,341

 

$

-

 Construction real estate

$

1,330

 

$

1,419

 

$

-

 Commercial real estate

$

26,410

 

$

31,717

 

$

-

 Consumer loans

$

8

 

$

8

 

$

-

 Commercial loans

$

6,999

 

$

9,187

 

$

-

 

 

The above amounts include purchased credit impaired loans. At December 31, 2019, purchased credit impaired loans comprised $24.1 million of impaired loans without a specific valuation allowance.  At June 30, 2019, purchased credit impaired loans comprised $28.5 million of impaired loans without a specific valuation allowance.

 

The following tables present information regarding interest income recognized on impaired loans:

 

 

For the three-month period ended

 

December 31, 2019

 

 

Average

 

 

 

(dollars in thousands)

 

Investment in

 

 

Interest Income

 

 

Impaired Loans

 

 

Recognized

Residential Real Estate

$

1,482

 

$

22

Construction Real Estate

 

1,300

 

 

36

Commercial Real Estate

 

15,756

 

 

340

Consumer Loans

 

-

 

 

-

Commercial Loans

 

5,760

 

 

121

   Total Loans

$

24,298

 

$

519

 

 

For the three-month period ended

 

December 31, 2018

 

 

Average

 

 

 

(dollars in thousands)

 

Investment in

 

 

Interest Income

 

 

Impaired Loans

 

 

Recognized

Residential Real Estate

$

1,844

 

$

28

Construction Real Estate

 

1,295

 

 

41

Commercial Real Estate

 

13,186

 

 

429

Consumer Loans

 

-

 

 

-

Commercial Loans

 

3,356

 

 

102

   Total Loans

$

19,681

 

$

600

 

 

For the six-month period ended

 

December 31, 2019

 

 

Average

 

 

 

(dollars in thousands)

 

Investment in

 

 

Interest Income

 

 

Impaired Loans

 

 

Recognized

Residential Real Estate

$

1,549

 

$

45

Construction Real Estate

 

1,302

 

 

84

Commercial Real Estate

 

16,958

 

 

675

Consumer Loans

 

-

 

 

-

Commercial Loans

 

5,904

 

 

214

   Total Loans

$

25,713

 

$

1,018

 

 

For the six-month period ended

 

December 31, 2018

 

 

Average

 

 

 

(dollars in thousands)

 

Investment in

 

 

Interest Income

 

 

Impaired Loans

 

 

Recognized

Residential Real Estate

$

2,300

 

$

61

Construction Real Estate

 

1,295

 

 

142

Commercial Real Estate

 

11,327

 

 

799

Consumer Loans

 

-

 

 

-

Commercial Loans

 

3,054

 

 

718

   Total Loans

$

17,976

 

$

1,720

 

 

Interest income on impaired loans recognized on a cash basis in the three- and six- month periods ended December 31, 2019 and 2018, was immaterial.

 

For the three- and six- month periods ended December 31, 2019, the amount of interest income recorded for impaired loans that represented a change in the present value of cash flows attributable to the passage of time was approximately $79,000 and $163,000, as compared to $144,000 and $1.1 million, for the three- and six- month periods ended December 31, 2018.

 

The following table presents the Company’s nonaccrual loans at December 31 and June 30, 2019. Purchased credit impaired loans are placed on nonaccrual status in the event the Company cannot reasonably estimate cash flows expected to be collected.  The table excludes performing troubled debt restructurings.

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Residential real estate

$

4,397

 

$

6,404

Construction real estate

 

-

 

 

-

Commercial real estate

 

5,212

 

 

10,876

Consumer loans

 

179

 

 

309

Commercial loans

 

631

 

 

3,424

     Total loans

$

10,419

 

$

21,013

 

The above amounts include purchased credit impaired loans.  At December 31, 2019 there were no purchased credit impaired loans on nonaccrual.  At June 30, 2019, purchased credit impaired loans comprised $4.1 million of nonaccrual loans.

 

 

Included in certain loan categories in the impaired loans are troubled debt restructurings (TDRs), where economic concessions have been granted to borrowers who have experienced financial difficulties. These concessions typically result from our loss mitigation activities, and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance, or other actions. Certain TDRs are classified as nonperforming at the time of restructuring and typically are returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period of at least six months.

 

When loans and leases are modified into a TDR, the Company evaluates any possible impairment similar to other impaired loans based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan or lease agreement, and uses the current fair value of the collateral, less selling costs, for collateral dependent loans. If the Company determines that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs, and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. In periods subsequent to modification, the Company evaluates all TDRs, including those that have payment defaults, for possible impairment and recognizes impairment through the allowance.

 

During the three- and six- month periods ended December 31, 2019 and 2018, certain loans modified were classified as TDRs. They are shown, segregated by class, in the table below:

 

 

 

For the three-month periods ended

 

 

December 31, 2019

 

 

December 31, 2018

(dollars in thousands)

 

Number of

 

 

Recorded

 

 

Number of

 

 

Recorded

modifications

 

 

Investment

 

 

modifications

 

 

Investment

Residential real estate

 

-

 

$

-

 

 

1

 

$

707

Construction real estate

 

-

 

 

-

 

 

-

 

 

-

Commercial real estate

 

-

 

 

-

 

 

4

 

 

962

Consumer loans

 

-

 

 

-

 

 

-

 

 

-

Commercial loans

 

-

 

 

-

 

 

1

 

 

20

   Total

 

-

 

$

-

 

 

6

 

$

1,689

 

 

 

For the six-month periods ended

 

December 31, 2019

 

 

December 31, 2018

(dollars in thousands)

 

Number of

 

 

Recorded

 

 

Number of

 

 

Recorded

modifications

 

 

Investment

 

 

modifications

 

 

Investment

Residential real estate

 

-

 

$

-

 

 

1

 

$

707

Construction real estate

 

-

 

 

-

 

 

-

 

 

-

Commercial real estate

 

-

 

 

-

 

 

7

 

 

2,264

Consumer loans

 

-

 

 

-

 

 

-

 

 

-

Commercial loans

 

-

 

 

-

 

 

2

 

 

89

   Total

 

-

 

$

-

 

 

10

 

$

3,060

 

Performing loans classified as TDRs and outstanding at December 31 and June 30, 2019, segregated by class, are shown in the table below. Nonperforming TDRs are shown as nonaccrual loans.

 

 

 

December 31, 2019

 

 

June 30, 2019

 

 

Number of

 

 

Recorded

 

 

Number of

 

 

Recorded

(dollars in thousands)

modifications

 

 

Investment

 

 

modifications

 

 

Investment

Residential real estate

 

9

 

$

967

 

 

10

 

$

1,130

Construction real estate

 

-

 

 

-

 

 

-

 

 

-

Commercial real estate

 

16

 

 

7,884

 

 

20

 

 

6,529

Consumer loans

 

-

 

 

-

 

 

-

 

 

-

Commercial loans

 

10

 

 

5,963

 

 

10

 

 

5,630

   Total

 

35

 

$

14,814

 

 

40

 

$

13,289

 

 

The Company may obtain physical possession of real estate collateralizing a residential mortgage loan or home equity loan via foreclosure or in-substance repossession. As of December 31 and June 30, 2019, the carrying value of foreclosed residential real estate properties as a result of obtaining physical possession was $823,000 and $752,000, respectively. In addition, as of December 31 and June 30, 2019, the Company had residential mortgage loans and home equity loans with a carrying value of $516,000 and $493,000, respectively, collateralized by residential real estate property for which formal foreclosure proceedings were in process.
XML 42 R102.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
NOTE 6: Premises and Equipment: Expected Lease Terms (Details)
 6 Months Ended
Dec. 31, 2019
Operating Lease, Weighted Average Discount Rate, Percent 5.00%
Minimum  
Lessee Expected Lease Terms The expected lease terms range from 18 months
Maximum  
Lessee Expected Lease Terms 20 years.
XML 43 R15.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 8: Earnings Per Share
 6 Months Ended
Dec. 31, 2019
Notes  
Note 8: Earnings Per Share

Note 8:  Earnings Per Share

 

The following table sets forth the computation of basic and diluted earnings per share:

 

 

Three months ended

 

 

Six months ended

 

December 31,

 

 

December 31,

 

 

2019

 

 

2018

 

 

 

2019

 

 

2018

 

 

 

 

 

 

 

 

 

 

 

(dollars in thousands except per share data)

 

 

 

 

 

 

 

 

 

 

 

 

Net income

$

7,717

 

$

7,454

 

 

$

15,545

 

$

14,254

 

 

 

 

 

 

 

 

 

 

 

 

 

Average Common shares – outstanding basic

 

9,202,052

 

 

9,136,873

 

 

 

9,217,155

 

 

9,066,597

Stock options under treasury stock method

 

10,847

 

 

11,860

 

 

 

9,675

 

 

12,342

Average Common shares – outstanding diluted

 

9,212,899

 

 

9,148,733

 

 

 

9,226,830

 

 

9,078,939

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic earnings per common share

$

0.84

 

$

0.82

 

 

$

1.69

 

$

1.57

Diluted earnings per common share

$

0.84

 

$

0.81

 

 

$

1.68

 

$

1.57

 

 

At December 31, 2019, no options outstanding had an exercise price in excess of the market price.  At December 31, 2018, 13,500 options outstanding had an exercise price in excess of the market price.  

 
XML 44 R106.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
NOTE 6: Premises and Equipment: Lessor Agreements (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2019
Details    
Income Recognized From Lessor Agreements $ 80 $ 162
XML 45 R19.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 12: Fair Value Measurements
 6 Months Ended
Dec. 31, 2019
Notes  
Note 12: Fair Value Measurements

Note 12:  Fair Value Measurements

 

ASC Topic 820, Fair Value Measurements, defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Topic 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value:

 

Level 1Quoted prices in active markets for identical assets or liabilities 

 

Level 2Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in active markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities 

 

Level 3Unobservable inputs supported by little or no market activity that are significant to the fair value of the assets or liabilities 

 

Recurring Measurements. The following table presents the fair value measurements of assets  recognized in the accompanying balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2019 and June 30, 2019:

 

 

Fair Value Measurements at December 31, 2019, Using:

 

 

 

 

 

Quoted Prices

in Active

Markets for

Identical

Assets

 

 

Significant

Other

Observable

Inputs

 

 

Significant

Unobservable

Inputs

(dollars in thousands)

 

Fair Value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

U.S. government sponsored enterprises (GSEs)

$

3,295

 

$

-

 

$

3,295

 

$

-

State and political subdivisions

 

42,238

 

 

-

 

 

42,238

 

 

-

Other securities

 

5,023

 

 

-

 

 

5,023

 

 

-

Mortgage-backed GSE residential

 

125,287

 

 

-

 

 

125,287

 

 

-

 

 

Fair Value Measurements at June 30, 2019, Using:

 

 

 

 

 

Quoted Prices

in Active

Markets for

Identical

Assets

 

 

Significant

Other

Observable

Inputs

 

 

Significant

Unobservable

Inputs

(dollars in thousands)

 

Fair Value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

U.S. government sponsored enterprises (GSEs)

$

7,270

 

$

-

 

$

7,270

 

$

-

State and political subdivisions

 

42,783

 

 

-

 

 

42,783

 

 

-

Other securities

 

5,053

 

 

-

 

 

5,053

 

 

-

Mortgage-backed GSE residential

 

110,429

 

 

-

 

 

110,429

 

 

-

 

 

 

Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy.

 

Available-for-sale Securities. When quoted market prices are available in an active market, securities are classified within Level 1. The Company does not have Level 1 securities. If quoted market prices are not available, then fair values are estimated using pricing models, or quoted prices of securities with similar characteristics. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Level 2 securities include U.S. Government-sponsored enterprises, state and political subdivisions, other securities, mortgage-backed GSE residential securities and mortgage-backed other U.S. Government agencies. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy.

 

Nonrecurring Measurements. The following tables present the fair value measurement of assets measured at fair value on a nonrecurring basis and the level within the ASC 820 fair value hierarchy in which the fair value measurements fell at December 31 and June 30, 2019:

 

 

Fair Value Measurements at December 31 , 2019, Using:

 

 

 

 

 

Quoted Prices

 

 

Significant

 

 

 

 

 

 

 

 

in Active

 

 

Other

 

 

Significant

 

 

 

 

 

Markets for

 

 

Observable

 

 

Unobservable

 

 

 

 

 

Identical Assets

 

 

Inputs

 

 

Inputs

(dollars in thousands)

 

Fair Value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

Foreclosed and repossessed assets held for sale

$

553

 

$

-

 

$

-

 

$

553

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Fair Value Measurements at June 30, 2019, Using:

 

 

 

 

 

Quoted Prices

 

 

Significant

 

 

 

 

 

 

 

 

in Active

 

 

Other

 

 

Significant

 

 

 

 

 

Markets for

 

 

Observable

 

 

Unobservable

 

 

 

 

 

Identical Assets

 

 

Inputs

 

 

Inputs

(dollars in thousands)

 

Fair Value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

 

 

 

 

 

 

 

 

 

 

 

 

Foreclosed and repossessed assets held for sale

$

2,430

 

$

-

 

$

-

 

$

2,430

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The following table presents gains and (losses) recognized on assets measured on a non-recurring basis for the six-month periods ended December 31, 2019 and 2018:

 

 

 

 

For the six months ended

(dollars in thousands)

 

 

 

December 31, 2019

 

 

December 31, 2018

Foreclosed and repossessed assets held for sale

 

 

$

(96)

 

$

(222)

     Total (losses) gains on assets measured on a non-recurring basis

$

(96)

 

$

(222)

 

 

The following is a description of valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets and liabilities pursuant to the valuation hierarchy. For assets classified within Level 3 of fair value hierarchy, the process used to develop the reported fair value process is described below.

 

Foreclosed and Repossessed Assets Held for Sale. Foreclosed and repossessed assets held for sale are valued at the time the loan is foreclosed upon or collateral is repossessed and the asset is transferred to foreclosed or repossessed assets held for sale. The value of the asset is based on third party or internal appraisals, less estimated costs to sell and appropriate discounts, if any. The appraisals are generally discounted based on current and expected market conditions that may impact the sale or value of the asset and management’s knowledge and experience with similar assets. Such discounts typically may be significant and result in a Level 3 classification of the inputs for determining fair value of these assets. Foreclosed and repossessed assets held for sale are continually evaluated for additional impairment and are adjusted accordingly if impairment is identified.

 

Unobservable (Level 3) Inputs. The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements.

 

(dollars in thousands)

 

Fair

value at
December 31 , 2019

Valuation
technique

Unobservable
inputs

Range of
inputs
applied

Weighted-average
inputs applied

Nonrecurring Measurements

 

 

 

 

 

 

Foreclosed and repossessed

   assets

 

$553

Third party appraisal

Marketability discount

0.0% - 39.4%

11.2%

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Fair

value at
June 30, 2019

Valuation
technique

Unobservable
inputs

Range of
inputs
applied

Weighted-average
inputs applied

Nonrecurring Measurements

 

 

 

 

 

 

Foreclosed and repossessed

   assets

 

$2,430

Third party appraisal

Marketability discount

5.1% - 77.0%

35.2%

 

 

 

 

 

 

 

 

 

Fair Value of Financial Instruments. The following table presents estimated fair values of the Company’s financial instruments not reported at fair value and the level within the fair value hierarchy in which the fair value measurements fell at December 31 and June 30, 2019.

 

 

December 31, 2019

 

 

 

 

 

Quoted Prices

 

 

 

 

 

 

 

 

 

 

 

in Active

 

 

 

 

 

Significant

 

 

 

 

 

Markets for

 

 

Significant Other

 

 

Unobservable

 

 

Carrying

 

 

Identical Assets

 

 

Observable Inputs

 

 

Inputs

(dollars in thousands)

 

Amount

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

Financial assets

 

 

 

 

 

 

 

 

 

 

 

 Cash and cash equivalents

$

41,043

 

$

41,043

 

$

-

 

$

-

 Interest-bearing time deposits

 

972

 

 

-

 

 

972

 

 

-

 Stock in FHLB

 

8,172

 

 

-

 

 

8,172

 

 

-

 Stock in Federal Reserve Bank of St. Louis

 

4,350

 

 

-

 

 

4,350

 

 

-

 Loans receivable, net

 

1,922,785

 

 

-

 

 

-

 

 

1,921,273

 Accrued interest receivable

 

11,292

 

 

-

 

 

11,292

 

 

-

Financial liabilities

 

 

 

 

 

 

 

 

 

 

 

 Deposits

 

1,914,614

 

 

1,248,527

 

 

-

 

 

663,687

 Securities sold under agreements to
   repurchase

 

-

 

 

-

 

 

-

 

 

-

 Advances from FHLB

 

114,646

 

 

-

 

 

115,309

 

 

-

 Note payable

 

3,000

 

 

-

 

 

-

 

 

3,000

 Accrued interest payable

 

1,925

 

 

-

 

 

1,925

 

 

-

 Subordinated debt

 

15,093

 

 

-

 

 

-

 

 

14,579

Unrecognized financial instruments (net of

  contract amount)

 

 

 

 

 

 

 

 

 

 

 

 Commitments to originate loans

 

-

 

 

-

 

 

-

 

 

-

 Letters of credit

 

-

 

 

-

 

 

-

 

 

-

 Lines of credit

 

-

 

 

-

 

 

-

 

 

-

 

 

 

June 30, 2019

 

 

 

 

 

Quoted Prices

 

 

 

 

 

 

 

 

 

 

 

in Active

 

 

 

 

 

Significant

 

 

 

 

 

Markets for

 

 

Significant Other

 

 

Unobservable

 

 

Carrying

 

 

Identical Assets

 

 

Observable Inputs

 

 

Inputs

(dollars in thousands)

 

Amount

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

Financial assets

 

 

 

 

 

 

 

 

 

 

 

 Cash and cash equivalents

$

35,400

 

$

35,400

 

$

-

 

$

-

 Interest-bearing time deposits

 

969

 

 

-

 

 

969

 

 

-

 Stock in FHLB

 

5,233

 

 

-

 

 

5,233

 

 

-

 Stock in Federal Reserve Bank of St. Louis

 

4,350

 

 

-

 

 

4,350

 

 

-

 Loans receivable, net

 

1,846,405

 

 

-

 

 

-

 

 

1,823,040

 Accrued interest receivable

 

10,189

 

 

-

 

 

10,189

 

 

-

Financial liabilities

 

 

 

 

 

 

 

 

 

 

 

 Deposits

 

1,893,695

 

 

1,214,606

 

 

-

 

 

678,301

 Securities sold under agreements to
   repurchase

 

4,376

 

 

-

 

 

4,376

 

 

-

 Advances from FHLB

 

44,908

 

 

-

 

 

45,547

 

 

-

 Note payable

 

3,000

 

 

-

 

 

-

 

 

3,000

 Accrued interest payable

 

2,099

 

 

-

 

 

2,099

 

 

-

 Subordinated debt

 

15,043

 

 

-

 

 

-

 

 

15,267

Unrecognized financial instruments

   (net of contract amount)

 

 

 

 

 

 

 

 

 

 

 

 Commitments to originate loans

 

-

 

 

-

 

 

-

 

 

-

 Letters of credit

 

-

 

 

-

 

 

-

 

 

-

 Lines of credit

 

-

 

 

-

 

 

-

 

 

-

 

 

The following methods and assumptions were used in estimating the fair values of financial instruments:

 

Cash and cash equivalents and interest-bearing time deposits are valued at their carrying amounts, which approximates book value. Stock in FHLB and the Federal Reserve Bank of St. Louis is valued at cost, which approximates fair value. The fair value of loans is estimated on an exit price basis incorporating contractual cash flow, prepayments discount spreads, credit loss and liquidity premiums.  Loans with similar characteristics were aggregated for purposes of the calculations. The carrying amount of accrued interest approximates its fair value.

 

The fair value of fixed-maturity time deposits is estimated using a discounted cash flow calculation that applies the rates currently offered for deposits of similar remaining maturities. Non-maturity deposits and securities sold under agreements are valued at their carrying value, which approximates fair value. Fair value of advances from the FHLB is estimated by discounting maturities using an estimate of the current market for similar instruments. The fair value of subordinated debt and notes payable is estimated using rates currently available to the Company for debt with similar terms and maturities. The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. The carrying amount of notes payable approximates fair value.  For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and committed rates. The fair value of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date.  

 
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Note 2: Organization and Summary of Significant Accounting Policies: Outside Directors' Retirement (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Outside Directors' Retirement In the event that the participant dies before collecting any or all of the benefits, the Bank shall pay the participant’s beneficiary. No benefits shall be payable to anyone other than the beneficiary, and benefits shall terminate on the death of the beneficiary.
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Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Accounts, Notes, Loans and Financing Receivable (Tables) Notes http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfAccountsNotesLoansAndFinancingReceivableTables Note 4: Loans and Allowance for Loan Losses: Schedule of Accounts, Notes, Loans and Financing Receivable (Tables) Tables 54 false false R55.htm 000550 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfBalanceInTheAllowanceForLoanLossesAndRecordedInvesetmentTables Note 4: Loans and Allowance for Loan Losses: Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment (Tables) Tables 55 false false R56.htm 000560 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Financing Receivable Credit Quality Indicators (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesFinancingReceivableCreditQualityIndicatorsTables Note 4: Loans and Allowance for Loan Losses: Financing Receivable Credit Quality Indicators (Tables) Tables 56 false false R57.htm 000570 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Loan Portfolio Aging Analysis (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfLoanPortfolioAgingAnalysisTables Note 4: Loans and Allowance for Loan Losses: Schedule of Loan Portfolio Aging Analysis (Tables) Tables 57 false false R58.htm 000580 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Impaired Loans (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfImpairedLoansTables Note 4: Loans and Allowance for Loan Losses: Schedule of Impaired Loans (Tables) Tables 58 false false R59.htm 000590 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Interest Income Recognized on Impaired Loans (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfInterestIncomeRecognizedOnImpairedLoansTables Note 4: Loans and Allowance for Loan Losses: Schedule of Interest Income Recognized on Impaired Loans (Tables) Tables 59 false false R60.htm 000600 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Financing Receivables, Non Accrual Status (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfFinancingReceivablesNonAccrualStatusTables Note 4: Loans and Allowance for Loan Losses: Schedule of Financing Receivables, Non Accrual Status (Tables) Tables 60 false false R61.htm 000610 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Debtor Troubled Debt Restructuring, Current Period (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfDebtorTroubledDebtRestructuringCurrentPeriodTables Note 4: Loans and Allowance for Loan Losses: Schedule of Debtor Troubled Debt Restructuring, Current Period (Tables) Tables 61 false false R62.htm 000620 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Performing Loans Classified as Troubled Debt Restructuring Loans (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesPerformingLoansClassifiedAsTroubledDebtRestructuringLoansTables Note 4: Loans and Allowance for Loan Losses: Performing Loans Classified as Troubled Debt Restructuring Loans (Tables) Tables 62 false false R63.htm 000630 - Disclosure - Note 5: Accounting For Certain Loans Acquired in A Transfer: Schedule of Acquired Loans With Credit Deterioration (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote5AccountingForCertainLoansAcquiredInATransferScheduleOfAcquiredLoansWithCreditDeteriorationTables Note 5: Accounting For Certain Loans Acquired in A Transfer: Schedule of Acquired Loans With Credit Deterioration (Tables) Tables 63 false false R64.htm 000640 - Disclosure - Note 5: Accounting For Certain Loans Acquired in A Transfer: Schedule of Acquired Loans in Transfer Accretable Yield (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote5AccountingForCertainLoansAcquiredInATransferScheduleOfAcquiredLoansInTransferAccretableYieldTables Note 5: Accounting For Certain Loans Acquired in A Transfer: Schedule of Acquired Loans in Transfer Accretable Yield (Tables) Tables 64 false false R65.htm 000650 - Disclosure - NOTE 6: Premises and Equipment: Property, Plant and Equipment (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNOTE6PremisesAndEquipmentPropertyPlantAndEquipmentTables NOTE 6: Premises and Equipment: Property, Plant and Equipment (Tables) Tables 65 false false R66.htm 000660 - Disclosure - NOTE 6: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNOTE6PremisesAndEquipmentCalculatedAmountOfRightOfUseAssetsAndLeaseLiabilitiesTables NOTE 6: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Tables) Tables 66 false false R67.htm 000670 - Disclosure - NOTE 6: Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNOTE6PremisesAndEquipmentScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTables NOTE 6: Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Tables) Tables 67 false false R68.htm 000680 - Disclosure - Note 7: Deposits: Schedule of Deposit Liabilities (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote7DepositsScheduleOfDepositLiabilitiesTables Note 7: Deposits: Schedule of Deposit Liabilities (Tables) Tables 68 false false R69.htm 000690 - Disclosure - Note 8: Earnings Per Share: Schedule of Earnings Per Share, Basic and Diluted (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote8EarningsPerShareScheduleOfEarningsPerShareBasicAndDilutedTables Note 8: Earnings Per Share: Schedule of Earnings Per Share, Basic and Diluted (Tables) Tables 69 false false R70.htm 000700 - Disclosure - Note 9: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote9IncomeTaxesScheduleOfEffectiveIncomeTaxRateReconciliationTables Note 9: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables) Tables 70 false false R71.htm 000710 - Disclosure - Note 9: Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote9IncomeTaxesScheduleOfDeferredTaxAssetsAndLiabilitiesTables Note 9: Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Tables) Tables 71 false false R72.htm 000720 - Disclosure - Note 9: Income Taxes: Reconciliation of Income Tax Expense at the Statutory Rate to Actual Income Tax (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote9IncomeTaxesReconciliationOfIncomeTaxExpenseAtTheStatutoryRateToActualIncomeTaxTables Note 9: Income Taxes: Reconciliation of Income Tax Expense at the Statutory Rate to Actual Income Tax (Tables) Tables 72 false false R73.htm 000730 - Disclosure - Note 12: Fair Value Measurements: Fair Value, Assets Measured on Recurring Basis (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote12FairValueMeasurementsFairValueAssetsMeasuredOnRecurringBasisTables Note 12: Fair Value Measurements: Fair Value, Assets Measured on Recurring Basis (Tables) Tables 73 false false R74.htm 000740 - Disclosure - Note 12: Fair Value Measurements: Fair Value Measurements, Nonrecurring (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote12FairValueMeasurementsFairValueMeasurementsNonrecurringTables Note 12: Fair Value Measurements: Fair Value Measurements, Nonrecurring (Tables) Tables 74 false false R75.htm 000750 - Disclosure - Note 12: Fair Value Measurements: Gains (Losses) Recognized on Assets Measured on a Nonrecurring Basis (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote12FairValueMeasurementsGainsLossesRecognizedOnAssetsMeasuredOnANonrecurringBasisTables Note 12: Fair Value Measurements: Gains (Losses) Recognized on Assets Measured on a Nonrecurring Basis (Tables) Tables http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote12FairValueMeasurements 75 false false R76.htm 000760 - Disclosure - Note 12: Fair Value Measurements: Fair Value Option, Disclosures (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote12FairValueMeasurementsFairValueOptionDisclosuresTables Note 12: Fair Value Measurements: Fair Value Option, Disclosures (Tables) Tables 76 false false R77.htm 000770 - Disclosure - Note 12: Fair Value Measurements: Schedule of Financial Instruments (Tables) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote12FairValueMeasurementsScheduleOfFinancialInstrumentsTables Note 12: Fair Value Measurements: Schedule of Financial Instruments (Tables) Tables 77 false false R78.htm 000780 - Disclosure - Note 2: Organization and Summary of Significant Accounting Policies: Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote2OrganizationAndSummaryOfSignificantAccountingPoliciesOrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesDetails Note 2: Organization and Summary of Significant Accounting Policies: Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote2OrganizationAndSummaryOfSignificantAccountingPoliciesOrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesPolicies 78 false false R79.htm 000790 - Disclosure - Note 2: Organization and Summary of Significant Accounting Policies: Cash and Cash Equivalents, Policy (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote2OrganizationAndSummaryOfSignificantAccountingPoliciesCashAndCashEquivalentsPolicyDetails Note 2: Organization and Summary of Significant Accounting Policies: Cash and Cash Equivalents, Policy (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote2OrganizationAndSummaryOfSignificantAccountingPoliciesCashAndCashEquivalentsPolicyPolicies 79 false false R80.htm 000800 - Disclosure - Note 2: Organization and Summary of Significant Accounting Policies: Intangible Assets, Finite-Lived, Policy (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote2OrganizationAndSummaryOfSignificantAccountingPoliciesIntangibleAssetsFiniteLivedPolicyDetails Note 2: Organization and Summary of Significant Accounting Policies: Intangible Assets, Finite-Lived, Policy (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote2OrganizationAndSummaryOfSignificantAccountingPoliciesIntangibleAssetsFiniteLivedPolicyPolicies 80 false false R81.htm 000810 - Disclosure - Note 3: Securities: Schedule of Available for Sale Securities (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote3SecuritiesScheduleOfAvailableForSaleSecuritiesDetails Note 3: Securities: Schedule of Available for Sale Securities (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote3SecuritiesScheduleOfAvailableForSaleSecuritiesTables 81 false false R82.htm 000820 - Disclosure - Note 3: Securities: Contractual Obligation, Fiscal Year Maturity Schedule (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote3SecuritiesContractualObligationFiscalYearMaturityScheduleDetails Note 3: Securities: Contractual Obligation, Fiscal Year Maturity Schedule (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote3SecuritiesContractualObligationFiscalYearMaturityScheduleTables 82 false false R83.htm 000830 - Disclosure - Note 3: Securities: Repurchase Agreements, Collateral, Policy (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote3SecuritiesRepurchaseAgreementsCollateralPolicyDetails Note 3: Securities: Repurchase Agreements, Collateral, Policy (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote3SecuritiesRepurchaseAgreementsCollateralPolicyPolicies 83 false false R84.htm 000840 - Disclosure - Note 3: Securities: Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote3SecuritiesAvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueDetails Note 3: Securities: Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote3SecuritiesAvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueTables 84 false false R85.htm 000850 - Disclosure - Note 3: Securities: Other Securities Policy: Pooled Trust Preferred Securities (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote3SecuritiesOtherSecuritiesPolicyPooledTrustPreferredSecuritiesDetails Note 3: Securities: Other Securities Policy: Pooled Trust Preferred Securities (Details) Details 85 false false R86.htm 000860 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Accounts, Notes, Loans and Financing Receivable (Details) Notes http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfAccountsNotesLoansAndFinancingReceivableDetails Note 4: Loans and Allowance for Loan Losses: Schedule of Accounts, Notes, Loans and Financing Receivable (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfAccountsNotesLoansAndFinancingReceivableTables 86 false false R87.htm 000870 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Construction Lending: Construction Loans Modified for other than TDR (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesConstructionLendingConstructionLoansModifiedForOtherThanTDRDetails Note 4: Loans and Allowance for Loan Losses: Construction Lending: Construction Loans Modified for other than TDR (Details) Details 87 false false R88.htm 000880 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfBalanceInTheAllowanceForLoanLossesAndRecordedInvesetmentDetails Note 4: Loans and Allowance for Loan Losses: Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfBalanceInTheAllowanceForLoanLossesAndRecordedInvesetmentTables 88 false false R89.htm 000890 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Financing Receivable Credit Quality Indicators (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesFinancingReceivableCreditQualityIndicatorsDetails Note 4: Loans and Allowance for Loan Losses: Financing Receivable Credit Quality Indicators (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesFinancingReceivableCreditQualityIndicatorsTables 89 false false R90.htm 000900 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Purchased Credit Impaired Loans Credit Quality Indicators (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesPurchasedCreditImpairedLoansCreditQualityIndicatorsDetails Note 4: Loans and Allowance for Loan Losses: Purchased Credit Impaired Loans Credit Quality Indicators (Details) Details 90 false false R91.htm 000910 - Disclosure - Note 4: Loans and Allowance for Loan Losses (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesDetails Note 4: Loans and Allowance for Loan Losses (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfAccountsNotesLoansAndFinancingReceivableTables 91 false false R92.htm 000920 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Loan Portfolio Aging Analysis (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfLoanPortfolioAgingAnalysisDetails Note 4: Loans and Allowance for Loan Losses: Schedule of Loan Portfolio Aging Analysis (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfLoanPortfolioAgingAnalysisTables 92 false false R93.htm 000930 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Impaired Loans (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfImpairedLoansDetails Note 4: Loans and Allowance for Loan Losses: Schedule of Impaired Loans (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfAccountsNotesLoansAndFinancingReceivableTables 93 false false R94.htm 000940 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Interest Income Recognized on Impaired Loans (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfInterestIncomeRecognizedOnImpairedLoansDetails Note 4: Loans and Allowance for Loan Losses: Schedule of Interest Income Recognized on Impaired Loans (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfInterestIncomeRecognizedOnImpairedLoansTables 94 false false R95.htm 000950 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Loans and Leases Receivable Impaired Interest Income Recognized Change in Present Value Attributable to Passage of Time (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesLoansAndLeasesReceivableImpairedInterestIncomeRecognizedChangeInPresentValueAttributableToPassageOfTimeDetails Note 4: Loans and Allowance for Loan Losses: Loans and Leases Receivable Impaired Interest Income Recognized Change in Present Value Attributable to Passage of Time (Details) Details 95 false false R96.htm 000960 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Schedule of Financing Receivables, Non Accrual Status (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfFinancingReceivablesNonAccrualStatusDetails Note 4: Loans and Allowance for Loan Losses: Schedule of Financing Receivables, Non Accrual Status (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesScheduleOfFinancingReceivablesNonAccrualStatusTables 96 false false R97.htm 000970 - Disclosure - Note 4: Loans and Allowance for Loan Losses: Purchased Credit Impaired Loans Nonaccrual (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote4LoansAndAllowanceForLoanLossesPurchasedCreditImpairedLoansNonaccrualDetails Note 4: Loans and Allowance for Loan Losses: Purchased Credit Impaired Loans Nonaccrual (Details) Details 97 false false R98.htm 001000 - Disclosure - Note 5: Accounting For Certain Loans Acquired in A Transfer: Schedule of Acquired Loans With Credit Deterioration (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote5AccountingForCertainLoansAcquiredInATransferScheduleOfAcquiredLoansWithCreditDeteriorationDetails Note 5: Accounting For Certain Loans Acquired in A Transfer: Schedule of Acquired Loans With Credit Deterioration (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote5AccountingForCertainLoansAcquiredInATransferScheduleOfAcquiredLoansWithCreditDeteriorationTables 98 false false R99.htm 001010 - Disclosure - Note 5: Accounting For Certain Loans Acquired in A Transfer: Schedule of Acquired Loans in Transfer Accretable Yield (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote5AccountingForCertainLoansAcquiredInATransferScheduleOfAcquiredLoansInTransferAccretableYieldDetails Note 5: Accounting For Certain Loans Acquired in A Transfer: Schedule of Acquired Loans in Transfer Accretable Yield (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNote5AccountingForCertainLoansAcquiredInATransferScheduleOfAcquiredLoansInTransferAccretableYieldTables 99 false false R100.htm 001020 - Disclosure - NOTE 6: Premises and Equipment: Property, Plant and Equipment (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNOTE6PremisesAndEquipmentPropertyPlantAndEquipmentDetails NOTE 6: Premises and Equipment: Property, Plant and Equipment (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNOTE6PremisesAndEquipmentPropertyPlantAndEquipmentTables 100 false false R101.htm 001030 - Disclosure - NOTE 6: Premises and Equipment: Lessee, Operating Lease, Disclosure (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNOTE6PremisesAndEquipmentLesseeOperatingLeaseDisclosureDetails NOTE 6: Premises and Equipment: Lessee, Operating Lease, Disclosure (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNOTE6PremisesAndEquipmentLesseeOperatingLeaseDisclosurePolicies 101 false false R102.htm 001040 - Disclosure - NOTE 6: Premises and Equipment: Expected Lease Terms (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNOTE6PremisesAndEquipmentExpectedLeaseTermsDetails NOTE 6: Premises and Equipment: Expected Lease Terms (Details) Details 102 false false R103.htm 001050 - Disclosure - NOTE 6: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Details) Sheet http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNOTE6PremisesAndEquipmentCalculatedAmountOfRightOfUseAssetsAndLeaseLiabilitiesDetails NOTE 6: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Details) Details http://www.bankwithsouthern.com/20191231/role/idr_DisclosureNOTE6PremisesAndEquipmentCalculatedAmountOfRightOfUseAssetsAndLeaseLiabilitiesTables 103 false false R104.htm 001060 - 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Note 2: Organization and Summary of Significant Accounting Policies
 6 Months Ended
Dec. 31, 2019
Notes  
Note 2: Organization and Summary of Significant Accounting Policies

Note 2:  Organization and Summary of Significant Accounting Policies

 

Organization. Southern Missouri Bancorp, Inc., a Missouri corporation (the Company) was organized in 1994 and is the parent company of Southern Bank (the Bank). Substantially all of the Company’s consolidated revenues are derived from the operations of the Bank, and the Bank represents substantially all of the Company’s consolidated assets and liabilities.  SB Real Estate Investments, LLC is a wholly-owned subsidiary of the Bank formed to hold Southern Bank Real Estate Investments, LLC.  Southern Bank Real Estate Investments, LLC is a real estate investment trust (REIT) which is controlled by the investment subsidiary, and has other preferred shareholders in order to meet the requirements to be a REIT.  At December 31, 2019, assets of the REIT were approximately $751 million, and consisted primarily of loan participations acquired from the Bank.

 

The Bank is primarily engaged in providing a full range of banking and financial services to individuals and corporate customers in its market areas. The Bank and Company are subject to competition from other financial institutions. The Bank and Company are subject to the regulation of certain federal and state agencies and undergo periodic examinations by those regulatory authorities.

 

Basis of Financial Statement Presentation. The consolidated financial statements of the Company have been prepared in conformity with accounting principles generally accepted in the United States of America and general practices within the banking industry. In the normal course of business, the Company encounters two significant types of risk: economic and regulatory. Economic risk is comprised of interest rate risk, credit risk, and market risk. The Company is subject to interest rate risk to the degree that its interest-bearing liabilities reprice on a different basis than its interest-earning assets. Credit risk is the risk of default on the Company’s investment or loan portfolios resulting from the borrowers’ inability or unwillingness to make contractually required payments. Market risk reflects changes in the value of the investment portfolio, collateral underlying loans receivable, and the value of the Company’s investments in real estate.

 

Principles of Consolidation. The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank. All significant intercompany accounts and transactions have been eliminated.

 

 

Use of Estimates. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

 

Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and estimated fair values of purchased loans.

 

 

Cash and Cash Equivalents. For purposes of reporting cash flows, cash and cash equivalents includes cash, due from depository institutions and interest-bearing deposits in other depository institutions with original maturities of three months or less. Interest-bearing deposits in other depository institutions were $5.3 million and $6.9 million at December 31 and June 30, 2019, respectively. The deposits are held in various commercial banks in amounts not exceeding the FDIC’s deposit insurance limits, as well as at the Federal Reserve and the Federal Home Loan Bank of Des Moines and Chicago.

 

 

Interest-bearing Time Deposits. Interest bearing deposits in banks mature within seven years and are carried at cost.

 

Available for Sale Securities. Available for sale securities, which include any security for which the Company has no immediate plan to sell but which may be sold in the future, are carried at fair value. Unrealized gains and losses, net of tax, are reported in accumulated other comprehensive income, a component of stockholders’ equity. All securities have been classified as available for sale.

 

Premiums and discounts on debt securities are amortized or accreted as adjustments to income over the estimated life of the security using the level yield method. Realized gains or losses on the sale of securities is based on the specific identification method. The fair value of securities is based on quoted market prices or dealer quotes. If a quoted market price is not available, fair value is estimated using quoted market prices for similar securities.

 

The Company does not invest in collateralized mortgage obligations that are considered high risk.

 

When the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. As a result of this guidance, the Company’s consolidated balance sheet as of the dates presented reflects the full impairment (that is, the difference between the security’s amortized cost basis and fair value) on debt securities that the Company intends to sell or would more likely than not be required to sell before the expected recovery of the amortized cost basis. For available-for-sale debt securities that management has no intent to sell and believes that it more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income. The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow projections.

 

 

Federal Home Loan Bank and Federal Reserve Bank Stock. The Bank is a member of the Federal Home Loan Bank (FHLB) system, and the Federal Reserve Bank of St. Louis. Capital stock of the FHLB and the Federal Reserve is a required investment based upon a predetermined formula and is carried at cost.

 

 

Loans. Loans are generally stated at unpaid principal balances, less the allowance for loan losses, any net deferred loan origination fees, and unamortized premiums or discounts on purchased loans.

 

Interest on loans is accrued based upon the principal amount outstanding. The accrual of interest on loans is discontinued when, in management’s judgment, the collectability of interest or principal in the normal course of business is doubtful. The Company complies with regulatory guidance which indicates that loans should be placed in nonaccrual status when 90 days past due, unless the loan is both well-secured and in the process of collection. A loan that is “in the process of collection” may be subject to legal action or, in appropriate circumstances, through other collection efforts reasonably expected to result in repayment or restoration to current status in the near future. A loan is considered delinquent when a payment has not been made by the contractual due date. Interest income previously accrued but not collected at the date a loan is placed on nonaccrual status is reversed against interest income. Cash receipts on a nonaccrual loan are applied to principal and interest in accordance with its contractual terms unless full payment of principal is not expected, in which case cash receipts, whether designated as principal or interest, are applied as a reduction of the carrying value of the loan. A nonaccrual loan is generally returned to accrual status when principal and interest payments are current, full collectability of principal and interest is reasonably assured, and a consistent record of performance has been demonstrated.

 

The allowance for losses on loans represents management’s best estimate of losses probable in the existing loan portfolio. The allowance for losses on loans is increased by the provision for losses on loans charged to expense and reduced by loans charged off, net of recoveries. Loans are charged off in the period deemed uncollectible, based on management’s analysis of expected cash flows (for non-collateral dependent loans) or collateral value (for collateral-dependent loans). Subsequent recoveries of loans previously charged off, if any, are credited to the allowance when received. The provision for losses on loans is determined based on management’s assessment of several factors: reviews and evaluations of specific loans, changes in the nature and volume of the loan portfolio, current economic conditions and the related impact on specific borrowers and industry groups, historical loan loss experience, the level of classified and nonperforming loans and the results of regulatory examinations.

 

Loans are considered impaired if, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Depending on a particular loan’s circumstances, we measure impairment of a loan based upon either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s observable market price, or the fair value of the collateral less estimated costs to sell if the loan is collateral dependent. Valuation allowances are established for collateral-dependent impaired loans for the difference between the loan amount and fair value of collateral less estimated selling costs. For impaired loans that are not collateral dependent, a valuation allowance is established for the difference between the loan amount and the present value of expected future cash flows discounted at the historical effective interest rate or the observable market price of the loan. Impairment losses are recognized through an increase in the required allowance for loan losses. Cash receipts on loans deemed impaired are recorded based on the loan’s separate status as a nonaccrual loan or an accrual status loan.

 

Some loans are accounted for in accordance with ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality. For these loans (“purchased credit impaired loans”), the Company recorded a fair value discount and began carrying them at book value less their face amount (see Note 4). For these loans, we determined the contractual amount and timing of undiscounted principal and interest payments (the “undiscounted contractual cash flows”), and estimated the amount and timing of undiscounted expected principal and interest payments, including expected prepayments (the “undiscounted expected cash flows”). Under acquired impaired loan accounting, the difference between the undiscounted contractual cash flows and the undiscounted expected cash flows is the nonaccretable difference. The nonaccretable difference is an estimate of the loss exposure of principal and interest related to the purchased credit impaired loans, and the amount is subject to change over time based on the performance of the loans. The carrying value of purchased credit impaired loans is initially determined as the discounted expected cash flows. The excess of expected cash flows at acquisition over the initial fair value of the purchased credit impaired loans is referred to as the “accretable yield” and is recorded as interest income over the estimated life of the acquired loans using the level-yield method, if the timing and amount of the future cash flows is reasonably estimable. The carrying value of purchased credit impaired loans is reduced by payments received, both principal and interest, and increased by the portion of the accretable yield recognized as interest income. Subsequent to acquisition, the Company evaluates the purchased credit impaired loans on a quarterly basis. Increases in expected cash flows compared to those previously estimated increase the accretable yield and are

recognized as interest income prospectively. Decreases in expected cash flows compared to those previously estimated decrease the accretable yield and may result in the establishment of an allowance for loan losses and a provision for loan losses. Purchased credit impaired loans are generally considered accruing and performing loans, as the loans accrete interest income over the estimated life of the loan when expected cash flows are reasonably estimable. Accordingly, purchased credit impaired loans that are contractually past due are still considered to be accruing and performing as long as there is an expectation that the estimated cash flows will be received. If the timing and amount of cash flows is not reasonably estimable, the loans may be classified as nonaccrual loans.

 

Loan fees and certain direct loan origination costs are deferred, and the net fee or cost is recognized as an adjustment to interest income using the interest method over the contractual life of the loans.

 

 

Foreclosed Real Estate. Real estate acquired by foreclosure or by deed in lieu of foreclosure is initially recorded at fair value less estimated selling costs, establishing a new cost basis.  Costs for development and improvement of the property are capitalized.

 

Valuations are periodically performed by management, and an allowance for losses is established by a charge to operations if the carrying value of a property exceeds its estimated fair value, less estimated selling costs.

 

Loans to facilitate the sale of real estate acquired in foreclosure are discounted if made at less than market rates. Discounts are amortized over the fixed interest period of each loan using the interest method.

 

 

Premises and Equipment. Premises and equipment are stated at cost less accumulated depreciation and include expenditures for major betterments and renewals. Maintenance, repairs, and minor renewals are expensed as incurred. When property is retired or sold, the retired asset and related accumulated depreciation are removed from the accounts and the resulting gain or loss taken into income. The Company reviews property and equipment for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. If such assets are considered to be impaired, the impairment loss recognized is measured by the amount by which the carrying amount exceeds the fair value of the assets.

 

Depreciation is computed by use of straight-line and accelerated methods over the estimated useful lives of the assets. Estimated lives are generally seven to forty years for premises, three to seven years for equipment, and three years for software.

 

 

Bank Owned Life Insurance. Bank owned life insurance policies are reflected in the consolidated balance sheets at the estimated cash surrender value.  Changes in the cash surrender value of these policies, as well as a portion of the insurance proceeds received, are recorded in noninterest income in the consolidated statements of income.

 

Goodwill. The Company’s goodwill is evaluated annually for impairment or more frequently if impairment indicators are present.  A qualitative assessment is performed to determine whether the existence of events or circumstances leads to a determination that it is more likely than not the fair value is less than the carrying amount, including goodwill.  If, based on the evaluation, it is determined to be more likely than not that the fair value is less than the carrying value, then goodwill is tested further for impairment.  If the implied fair value of goodwill is lower than its carrying amount, a goodwill impairment is indicated and goodwill is written down to its implied fair value.  Subsequent increases in goodwill value are not recognized in the financial statements.  As of June 30, 2019, there was no impairment indicated, and the Company believes there continues to be no impairment of goodwill at December 31, 2019.

 

 

Other Intangible Assets.  The Company’s other intangible assets at December 31, 2019 included gross core deposit intangibles of $14.7 million with $7.8 million accumulated amortization and mortgage servicing rights of $1.4 million. At June 30, 2019, the Company’s intangible assets included gross core deposit intangibles of $14.7 million with $6.9 million accumulated amortization and mortgage servicing rights of $1.5 million. The Company’s core deposit intangible assets are being amortized using the straight line method, over periods ranging from five to seven years, with amortization expense expected to be approximately $882,000 in the remainder of fiscal 2020, $1.3 million in fiscal 2021 through fiscal 2024, and $1.0 million in total thereafter. As of June 30, 2019, there was no impairment indicated, and the Company believes there continues to be no impairment of other intangible assets at December 31, 2019.

 

 

Income Taxes. The Company accounts for income taxes in accordance with income tax accounting guidance (ASC 740, Income Taxes). The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur.

 

Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized.

 

The Company recognizes interest and penalties on income taxes as a component of income tax expense.

 

The Company files consolidated income tax returns with its subsidiaries.

 

 

Incentive Plan. The Company accounts for its Management and Recognition Plan (MRP) and Equity Incentive Plan (EIP) in accordance with ASC 718, “Share-Based Payment.” Compensation expense is based on the market price of the Company’s stock on the date the shares are granted and is recorded over the vesting period. The difference between the grant date fair value and the fair value on the date the shares are considered earned represents a tax benefit to the Company that is recorded as an adjustment to income tax expense.

 

 

Outside Directors’ Retirement.   The Bank adopted a directors’ retirement plan in April 1994 for outside directors. The directors’ retirement plan provides that each non-employee director (participant) shall receive, upon termination of service on the Board on or after age 60, other than termination for cause, a benefit in equal annual installments over a five year period. The benefit will be based upon the product of the participant’s vesting percentage and the total Board fees paid to the participant during the calendar year preceding termination of service on the Board. The vesting percentage shall be determined based upon the participant’s years of service on the Board.

 

In the event that the participant dies before collecting any or all of the benefits, the Bank shall pay the participant’s beneficiary. No benefits shall be payable to anyone other than the beneficiary, and benefits shall terminate on the death of the beneficiary.

 

 

Stock Options. Compensation cost is measured based on the grant-date fair value of the equity instruments issued, and recognized over the vesting period during which an employee provides service in exchange for the award.

 

 

Earnings Per Share. Basic earnings per share available to common stockholders is computed using the weighted-average number of common shares outstanding. Diluted earnings per share available to common stockholders includes the effect of all weighted-average dilutive potential common shares (stock options) outstanding during each period.

 

 

Comprehensive Income. Comprehensive income consists of net income and other comprehensive income (loss), net of applicable income taxes. Other comprehensive income includes unrealized appreciation on available-for-sale securities, unrealized appreciation (depreciation) on available-for-sale securities for which a portion of an other-than-temporary impairment has been recognized in income, and changes in the funded status of defined benefit pension plans.

 

 

Transfers Between Fair Value Hierarchy Levels.  Transfers in and out of Level 1 (quoted market prices), Level 2 (other significant observable inputs) and Level 3 (significant unobservable inputs) are recognized on the period ending date.

 

 

The following paragraphs summarize the impact of new accounting pronouncements:

 

In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820) - Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. ASU 2018-13 modifies the disclosure requirements on fair value measurements in Topic 820. The amendments in this update remove disclosures that no longer are considered cost beneficial, modify/clarify the specific requirements of certain disclosures, and add disclosure requirements identified as relevant. ASU 2018-13 is effective for fiscal years beginning after December 15, 2019, with early adoption permitted for certain removed and modified disclosures, and is not expected to have a significant impact on our financial statements.

 

In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326).  The Update amends guidance on reporting credit losses for assets held at amortized cost basis and available for sale debt securities. For assets held at amortized cost basis, Topic 326 eliminates the probable initial recognition threshold in current GAAP and, instead, requires an entity to reflect its current estimate of all expected credit losses. The Update affects loans, debt securities, trade receivables, net investments in leases, off balance sheet credit exposures, and any other financial assets not excluded from the scope that have the contractual right to receive cash.  For public companies, the ASU is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years.  Early adoption is available beginning after December 15, 2018, including interim periods within those fiscal years. Adoption will be applied on a modified retrospective basis, through a cumulative-effect adjustment to retained earnings. The Company formed a working group of key personnel responsible for the allowance for loan losses estimate and initiated its evaluation of the data and systems requirements of adoption of the Update.  The group determined that purchasing third party software would be the most effective method to comply with the requirements, evaluated several outside vendors, and made a vendor recommendation that was approved by the Board.  Model validation and data testing using existing ALLL methodology have been completed. Parallel testing of the new methodology compared to the current methodology will be performed throughout fiscal year 2020 and the Company continues to evaluate the impact of adopting the new guidance.  We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, which for the Company will be the three-month period ending September 30, 2020, but cannot yet determine the overall impact of the new guidance on the Company’s consolidated financial statements, or the exact amount of any such one-time adjustment.    

 

In February 2016, the FASB issued ASU 2016-02, “Leases,” to revise the accounting related to lease accounting.  Under the new guidance, a lessee is required to record a right-of-use (ROU) asset and a lease liability on the balance sheet for all leases with terms longer than 12 months.   The Update was effective for the Company July 1, 2019.   Adoption of the standard allows the use of a modified retrospective transition approach for all periods presented at the time of adoption.  Based on the Company’s leases outstanding at December 31, 2019, which included five leased properties and numerous office equipment leases, the adoption of the new standard did not have a material impact on our consolidated statements of financial condition or our consolidated statements of income, although an increase to assets and liabilities occurred at the time of adoption.  In the first quarter of 2020, the Company recognized a ROU asset and corresponding lease liability for all leases of approximately $2.0 million based on the lease portfolio at that time.  The Company’s new leases, lease terminations, and lease modifications and renewals will impact the amount of ROU asset and corresponding lease liability recognized.  The Company’s leases are all currently “operating leases” as defined in the Update; therefore, no material change in the income statement presentation of lease expense is anticipated.

 
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Note 2: Organization and Summary of Significant Accounting Policies: Goodwill (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Goodwill Goodwill. The Company’s goodwill is evaluated annually for impairment or more frequently if impairment indicators are present.  A qualitative assessment is performed to determine whether the existence of events or circumstances leads to a determination that it is more likely than not the fair value is less than the carrying amount, including goodwill.  If, based on the evaluation, it is determined to be more likely than not that the fair value is less than the carrying value, then goodwill is tested further for impairment.  If the implied fair value of goodwill is lower than its carrying amount, a goodwill impairment is indicated and goodwill is written down to its implied fair value.  Subsequent increases in goodwill value are not recognized in the financial statements.  As of June 30, 2019, there was no impairment indicated, and the Company believes there continues to be no impairment of goodwill at December 31, 2019.
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Document and Entity Information - $ / shares
 6 Months Ended
Feb. 07, 2020
Dec. 31, 2019
Details    
Registrant CIK   0000916907
Fiscal Year End   --06-30
Registrant Name   SOUTHERN MISSOURI BANCORP, INC.
SEC Form   10-Q
Period End date   Dec. 31, 2019
Trading Symbol   SMBC
Trading Exchange   NASDAQ
Tax Identification Number (TIN)   43-1665523
Number of common stock shares outstanding 9,210,789  
Filer Category   Accelerated Filer
Current with reporting   Yes
Interactive Data Current   Yes
Shell Company   false
Small Business   false
Emerging Growth Company   false
Entity File Number   0-23406
Entity Incorporation, State or Country Code   MO
Entity Address, Address Line One   2991 Oak Grove Road
Entity Address, City or Town   Poplar Bluff
Entity Address, State or Province   MO
Entity Address, Postal Zip Code   63901
City Area Code   573
Local Phone Number   778-1800
Title of 12(b) Security   Common
Entity Listing, Par Value Per Share $ 0.01  
Amendment Flag   false
Document Fiscal Year Focus   2020
Document Fiscal Period Focus   Q2
Document Quarterly Report   true
Document Transition Report   false
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Condensed Consolidated Statements of Comprehensive Income - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Details        
Comprehensive Income (Loss), Net $ 7,717 $ 7,454 $ 15,545 $ 14,254
Other Comprehensive Income        
Unrealized gains on securities available-for-sale 247 1,144 513 766
Comprehensive Income Tax Benefit (Expense) (54) (320) (113) (229)
Total other comprehensive income 193 824 400 537
Comprehensive income $ 7,910 $ 8,278 $ 15,945 $ 14,791
XML 52 R53.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 3: Securities: Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value

 

 

December 31, 2019

 

Less than 12 months

 

12 months or more

 

Total

 

 

 

Unrealized

 

 

 

Unrealized

 

 

 

Unrealized

 

Fair Value

 

Losses

 

Fair Value

 

Losses

 

Fair Value

 

Losses

(dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

U.S. government-sponsored

enterprises (GSEs)

$

-

 

$

-

 

$

998

 

$

1

 

$

998

 

$

1

Obligations of state and political

subdivisions

 

2,293

 

 

9

 

 

2,192

 

 

9

 

 

4,485

 

 

18

Other securities

 

-

 

 

-

 

 

949

 

 

227

 

 

949

 

 

227

Mortgage-backed securities

 

33,472

 

 

141

 

 

10,263

 

 

65

 

 

43,735

 

 

206

 Total investments and mortgage-

   backed securities

$

35,765

 

$

150

 

$

14,402

 

$

302

 

$

50,167

 

$

452

 

 

June 30, 2019

 

Less than 12 months

 

12 months or more

 

Total

 

 

 

Unrealized

 

 

 

Unrealized

 

 

 

Unrealized

 

Fair Value

 

Losses

 

Fair Value

 

Losses

 

Fair Value

 

Losses

(dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

U.S. government-sponsored

enterprises (GSEs)

$

-

 

$

-

 

$

$6,969

 

$

15

 

$

6,969

 

$

15

Obligations of state and political

subdivisions

 

-

 

 

-

 

 

8,531

 

 

68

 

 

8,531

 

 

68

Other securities

 

-

 

 

-

 

 

985

 

 

198

 

 

985

 

 

198

Mortgage-backed securities

 

1,175

 

 

1

 

 

34,148

 

 

316

 

 

35,323

 

 

317

 Total investments and mortgage-

   backed securities

$

1,175

 

$

1

 

$

50,633

 

$

597

 

$

51,808

 

$

598

 
XML 53 R57.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Schedule of Loan Portfolio Aging Analysis (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Loan Portfolio Aging Analysis

The following tables present the Company’s loan portfolio aging analysis (excluding loans in process and deferred loan fees) as of December 31 and June 30, 2019.  These tables include purchased credit impaired loans, which are reported according to aging analysis after acquisition based on the Company’s standards for such classification:

 

 

December 31, 2019

 

 

 

 

 

 

 

 

Greater Than

 

 

 

 

 

 

 

 

 

 

 

Greater Than 90

 

 

30-59 Days

 

 

60-89 Days

 

 

90 Days

 

 

Total

 

 

 

 

 

Total Loans

 

 

Days Past Due

(dollars in thousands)

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Current

 

 

Receivable

 

 

and Accruing

Real Estate Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Residential

$

1,457

 

$

1,246

 

$

1,442

 

$

4,145

 

$

535,271

 

$

539,416

 

$

-

 Construction

 

-

 

 

-

 

 

-

 

 

-

 

 

96,814

 

 

96,814

 

 

-

 Commercial

 

576

 

 

296

 

 

3,020

 

 

3,892

 

 

846,584

 

 

850,476

 

 

-

Consumer loans

 

475

 

 

136

 

 

173

 

 

784

 

 

100,837

 

 

101,621

 

 

1

Commercial loans

 

277

 

 

230

 

 

225

 

 

732

 

 

354,543

 

 

355,275

 

 

-

 Total loans

$

2,785

 

$

1,908

 

$

4,860

 

$

9,553

 

$

1,934,049

 

$

1,943,602

 

$

1

 

 

June 30, 2019

 

 

 

 

 

 

 

 

Greater Than

 

 

 

 

 

 

 

 

 

 

 

Greater Than 90

 

 

30-59 Days

 

 

60-89 Days

 

 

90 Days

 

 

Total

 

 

 

 

 

Total Loans

 

 

Days Past Due

(dollars in thousands)

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Past Due

 

 

Current

 

 

Receivable

 

 

and Accruing

Real Estate Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Residential

$

227

 

$

1,054

 

$

1,714

 

$

2,995

 

$

488,997

 

$

491,992

 

$

-

 Construction

 

-

 

 

-

 

 

-

 

 

-

 

 

80,134

 

 

80,134

 

 

-

 Commercial

 

296

 

 

1

 

 

5,617

 

 

5,914

 

 

834,863

 

 

840,777

 

 

-

Consumer loans

 

128

 

 

46

 

 

176

 

 

350

 

 

97,184

 

 

97,534

 

 

-

Commercial loans

 

424

 

 

25

 

 

1,902

 

 

2,351

 

 

353,523

 

 

355,874

 

 

-

 Total loans

$

1,075

 

$

1,126

 

$

9,409

 

$

11,610

 

$

1,854,701

 

$

1,866,311

 

$

-

 
XML 54 R78.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies (Details)
$ in Thousands
 6 Months Ended
Dec. 31, 2019
USD ($)
Details  
Entity Incorporation, State or Country Code MO
Real Estate Investments, Net $ 751,000
XML 55 R88.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2019
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Loans Receivable          
Financing Receivable, Credit Loss, Expense (Reversal)   $ 388 $ 314 $ 1,284 $ 995
Allowance for Loan and Lease Losses, Write-offs   (310) (84) (416) (196)
Accounts Receivable, Allowance for Credit Loss, Recovery   26 3 43 10
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment $ 0 0 0 0 0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 19,903 20,814 19,023 20,814 19,023
Financing Receivables Allowance for Credit Losses Acquired with Deteriorated Credit Quality 0     0 0
Financing Receivable, Individually Evaluated for Impairment 0 0   0  
Financing Receivable, Collectively Evaluated for Impairment 1,837,763 1,919,491   1,919,491  
Financing Receivables Acquired with Deteriorated Credit Quality 28,548     24,111  
Loans Receivable | Beginning of Period          
Allowance for Loan Losses 19,903 20,710 18,790 19,903 18,214
Loans Receivable | End of Period          
Allowance for Loan Losses   20,814 19,023 20,814 19,023
Consumer Loan          
Financing Receivable, Credit Loss, Expense (Reversal)   (4) (11) 92 80
Allowance for Loan and Lease Losses, Write-offs   (26) (3) (97) (20)
Accounts Receivable, Allowance for Credit Loss, Recovery   6 0 9 5
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 0 0 0 0 0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 1,046 1,050 967 1,050 967
Financing Receivables Allowance for Credit Losses Acquired with Deteriorated Credit Quality 0     0 0
Financing Receivable, Individually Evaluated for Impairment 0 0   0  
Financing Receivable, Collectively Evaluated for Impairment 97,534 101,621   101,621  
Financing Receivables Acquired with Deteriorated Credit Quality 0     0  
Consumer Loan | Beginning of Period          
Allowance for Loan Losses 1,046 1,074 981 1,046 902
Consumer Loan | End of Period          
Allowance for Loan Losses   1,050 967 1,050 967
Commercial Loan          
Financing Receivable, Credit Loss, Expense (Reversal)   (57) (150) 327 87
Allowance for Loan and Lease Losses, Write-offs   (112) (47) (147) (47)
Accounts Receivable, Allowance for Credit Loss, Recovery   1 0 1 1
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 0 0 0 0 0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 4,387 4,568 4,237 4,568 4,237
Financing Receivables Allowance for Credit Losses Acquired with Deteriorated Credit Quality 0     0 0
Financing Receivable, Individually Evaluated for Impairment 0 0   0  
Financing Receivable, Collectively Evaluated for Impairment 349,681 349,186   349,186  
Financing Receivables Acquired with Deteriorated Credit Quality 6,193     6,089  
Commercial Loan | Beginning of Period          
Allowance for Loan Losses 4,387 4,736 4,434 4,387 4,196
Commercial Loan | End of Period          
Allowance for Loan Losses   4,568 4,237 4,568 4,237
Construction Loan Payable          
Financing Receivable, Credit Loss, Expense (Reversal)   118 (102) 292 94
Allowance for Loan and Lease Losses, Write-offs   0 0 0 0
Accounts Receivable, Allowance for Credit Loss, Recovery   0 0 0 0
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 0 0 0 0 0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 1,365 1,657 1,191 1,657 1,191
Financing Receivables Allowance for Credit Losses Acquired with Deteriorated Credit Quality 0     0 0
Financing Receivable, Individually Evaluated for Impairment 0 0   0  
Financing Receivable, Collectively Evaluated for Impairment 78,826 95,518   95,518  
Financing Receivables Acquired with Deteriorated Credit Quality 1,308     1,296  
Construction Loan Payable | Beginning of Period          
Allowance for Loan Losses 1,365 1,539 1,293 1,365 1,097
Construction Loan Payable | End of Period          
Allowance for Loan Losses   1,657 1,191 1,657 1,191
Residential Real Estate          
Financing Receivable, Credit Loss, Expense (Reversal)   294 293 160 415
Allowance for Loan and Lease Losses, Write-offs   (172) (9) (172) (9)
Accounts Receivable, Allowance for Credit Loss, Recovery   18 0 18 1
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 0 0 0 0 0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 3,706 3,712 3,633 3,712 3,633
Financing Receivables Allowance for Credit Losses Acquired with Deteriorated Credit Quality 0     0 0
Financing Receivable, Individually Evaluated for Impairment 0 0   0  
Financing Receivable, Collectively Evaluated for Impairment 490,307 538,121   538,121  
Financing Receivables Acquired with Deteriorated Credit Quality 1,685     1,295  
Residential Real Estate | Beginning of Period          
Allowance for Loan Losses 3,706 3,572 3,349 3,706 3,226
Residential Real Estate | End of Period          
Allowance for Loan Losses   3,712 3,633 3,712 3,633
Commercial Real Estate          
Financing Receivable, Credit Loss, Expense (Reversal)   37 284 413 319
Allowance for Loan and Lease Losses, Write-offs   0 (25) 0 (120)
Accounts Receivable, Allowance for Credit Loss, Recovery   1 3 15 3
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 0 0 0 0 0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 9,399 9,827 8,995 9,827 8,995
Financing Receivables Allowance for Credit Losses Acquired with Deteriorated Credit Quality 0     0 0
Financing Receivable, Individually Evaluated for Impairment 0 0   0  
Financing Receivable, Collectively Evaluated for Impairment 821,415 835,045   835,045  
Financing Receivables Acquired with Deteriorated Credit Quality 19,362     15,431  
Commercial Real Estate | Beginning of Period          
Allowance for Loan Losses $ 9,399 9,789 8,733 9,399 8,793
Commercial Real Estate | End of Period          
Allowance for Loan Losses   $ 9,827 $ 8,995 $ 9,827 $ 8,995
XML 56 R84.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 3: Securities: Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
US Government-sponsored Enterprises Debt Securities    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 0 $ 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 998 6,969
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 1 15
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 998 6,969
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 1 15
US States and Political Subdivisions Debt Securities    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value 2,293 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 9 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 2,192 8,531
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 9 68
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 4,485 8,531
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 18 68
Other Debt Obligations    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value 0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 949 985
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 227 198
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 949 985
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 227 198
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value 33,472 1,175
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 141 1
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 10,263 34,148
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 65 316
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 43,735 35,323
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 206 317
Total investments and mortgage-backed securities    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value 35,765 1,175
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 150 1
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 14,402 50,633
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 302 597
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 50,167 51,808
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss $ 452 $ 598
XML 57 R74.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 12: Fair Value Measurements: Fair Value Measurements, Nonrecurring (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Fair Value Measurements, Nonrecurring

 

 

Fair Value Measurements at December 31 , 2019, Using:

 

 

 

 

 

Quoted Prices

 

 

Significant

 

 

 

 

 

 

 

 

in Active

 

 

Other

 

 

Significant

 

 

 

 

 

Markets for

 

 

Observable

 

 

Unobservable

 

 

 

 

 

Identical Assets

 

 

Inputs

 

 

Inputs

(dollars in thousands)

 

Fair Value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

Foreclosed and repossessed assets held for sale

$

553

 

$

-

 

$

-

 

$

553

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Fair Value Measurements at June 30, 2019, Using:

 

 

 

 

 

Quoted Prices

 

 

Significant

 

 

 

 

 

 

 

 

in Active

 

 

Other

 

 

Significant

 

 

 

 

 

Markets for

 

 

Observable

 

 

Unobservable

 

 

 

 

 

Identical Assets

 

 

Inputs

 

 

Inputs

(dollars in thousands)

 

Fair Value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

 

 

 

 

 

 

 

 

 

 

 

 

Foreclosed and repossessed assets held for sale

$

2,430

 

$

-

 

$

-

 

$

2,430

 

 

 

 

 

 

 

 

 

 

 

 

 
XML 58 R70.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 9: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Effective Income Tax Rate Reconciliation

 

 

For the three-month period ended

 

For the six-month periods ended

(dollars in thousands)

 

December 31, 2019

 

 

December 31, 2018

 

 

December 31, 2019

 

 

December 31, 2018

Income taxes

 

 

 

 

 

 

 

 

 

 

 

 Current

$

1,915

 

$

3,368

 

$

3,884

 

$

5,029

 Deferred

 

6

 

 

(1,566)

 

 

12

 

 

(1,560)

Total income tax provision

$

1,921

 

$

1,802

 

$

3,896

 

$

3,469

 
XML 59 R80.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Intangible Assets, Finite-Lived, Policy (Details) - USD ($)
$ in Thousands
 6 Months Ended
Dec. 31, 2019
Jun. 30, 2019
Dec. 31, 2019
Jun. 30, 2024
Jun. 30, 2023
Jun. 30, 2022
Jun. 30, 2021
Jun. 30, 2020
Details                
Finite-Lived Core Deposits, Gross $ 14,700 $ 14,700 $ 14,700          
Finite-Lived Intangible Assets, Accumulated Amortization 7,800 6,900 $ 7,800          
FHLB Mortgage Servicing Rights $ 1,400 $ 1,500            
Core Deposits and Intangible Assets, Remaining Amortization Period     periods ranging from five to seven years          
Finite-Lived Intangible Assets, Amortization Expense, Remainder of Fiscal Year               $ 882,000
Finite-Lived Intangible Assets, Amortization Expense, Year Two             $ 1,300  
Finite-Lived Intangible Assets, Amortization Expense, Rolling Year Three           $ 1,300    
Finite-Lived Intangible Assets, Amortization Expense, Rolling Year Four         $ 1,300      
Finite-Lived Intangible Assets, Amortization Expense, Year Five       $ 1,300        
Finite-Lived Intangible Assets, Amortization Expense, after Year Five       $ 1,000        
XML 60 R46.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Commercial Real Estate Lending (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Commercial Real Estate Lending Most commercial real estate loans originated by the Company generally are based on amortization schedules of up to 25 years with monthly principal and interest payments. Generally, the interest rate received on these loans is fixed for a maturity for up to seven years, with a balloon payment due at maturity. Alternatively, for some loans, the interest rate adjusts at least annually after an initial period up to seven years. The Company typically includes an interest rate “floor” in the loan agreement. Generally, improved commercial real estate loan amounts do not exceed 80% of the lower of the appraised value or the purchase price of the secured property. Agricultural real estate terms offered differ slightly, with amortization schedules of up to 25 years with an 80% loan-to-value ratio, or 30 years with a 75% loan-to-value ratio.
XML 61 R42.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 3: Securities: Repurchase Agreements, Collateral, Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Repurchase Agreements, Collateral, Policy

The carrying value of investment and mortgage-backed securities pledged as collateral to secure public deposits and securities sold under agreements to repurchase amounted to $123.8 million at December 31, 2019 and $143.7 million at June 30, 2019.  The securities pledged consist of marketable securities, including $1.6 million and $5.6 million of U.S. Government and Federal Agency Obligations, $36.5 million and $47.3 million of Mortgage-Backed Securities, $51.8 million and $55.7 million of Collateralized Mortgage Obligations, $33.8 million and $34.9 million of State and Political Subdivisions Obligations, and $200,000 and $300,000 of Other Securities at December 31 and June 30, 2019, respectively.
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Note 4: Loans and Allowance for Loan Losses (Details)
$ in Thousands
 6 Months Ended
Dec. 31, 2019
USD ($)
Dec. 31, 2019
USD ($)
Jun. 30, 2019
USD ($)
Financing Receivable, Credit Quality, Additional Information   lending relationships of $2 million or more, exclusive of any consumer or owner-occupied residential loan, are subject to an annual credit analysis which is prepared by the loan administration department and presented to a loan committee with appropriate lending authority. A sample of lending relationships in excess of $1 million (exclusive of single-family residential real estate loans) are subject to an independent loan review annually, in order to verify risk ratings  
Number of Purchased Credit Impaired Loans 1    
Foreclosed residential real estate properties physical possession $ 823 $ 823 $ 752
Residential mortgage loans and home equity loans formal foreclosure proceedings in process 516 516 493
Loans without a specific valuation allowance      
Purchased Credit Impaired Loans 24,100 24,100 $ 28,500
Financial Asset, Equal to or Greater than 90 Days Past Due      
Purchased Credit Impaired Loans $ 3,100 $ 3,100  
XML 64 R61.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Schedule of Debtor Troubled Debt Restructuring, Current Period (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Debtor Troubled Debt Restructuring, Current Period

 

 

 

For the three-month periods ended

 

 

December 31, 2019

 

 

December 31, 2018

(dollars in thousands)

 

Number of

 

 

Recorded

 

 

Number of

 

 

Recorded

modifications

 

 

Investment

 

 

modifications

 

 

Investment

Residential real estate

 

-

 

$

-

 

 

1

 

$

707

Construction real estate

 

-

 

 

-

 

 

-

 

 

-

Commercial real estate

 

-

 

 

-

 

 

4

 

 

962

Consumer loans

 

-

 

 

-

 

 

-

 

 

-

Commercial loans

 

-

 

 

-

 

 

1

 

 

20

   Total

 

-

 

$

-

 

 

6

 

$

1,689

 

 

 

For the six-month periods ended

 

December 31, 2019

 

 

December 31, 2018

(dollars in thousands)

 

Number of

 

 

Recorded

 

 

Number of

 

 

Recorded

modifications

 

 

Investment

 

 

modifications

 

 

Investment

Residential real estate

 

-

 

$

-

 

 

1

 

$

707

Construction real estate

 

-

 

 

-

 

 

-

 

 

-

Commercial real estate

 

-

 

 

-

 

 

7

 

 

2,264

Consumer loans

 

-

 

 

-

 

 

-

 

 

-

Commercial loans

 

-

 

 

-

 

 

2

 

 

89

   Total

 

-

 

$

-

 

 

10

 

$

3,060
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NOTE 6: Premises and Equipment: Property, Plant and Equipment (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Property, Plant and Equipment

 

 

 

 

 

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Land

$

12,404

 

$

12,414

Buildings and improvements

 

54,561

 

 

54,304

Construction in progress

 

973

 

 

466

Furniture, fixtures, equipment and software

 

17,588

 

 

16,514

Automobiles

 

107

 

 

107

Operating leases right of use assets

 

1,988

 

 

-

 

 

87,621

 

 

83,805

Less accumulated depreciation

 

22,615

 

 

21,078

 

$

$65,006

 

$

$62,727

 

XML 67 R95.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Loans and Leases Receivable Impaired Interest Income Recognized Change in Present Value Attributable to Passage of Time (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Details        
Loans and Leases Receivable, Impaired, Interest Income Recognized, Change in Present Value Attributable to Passage of Time $ 79 $ 144 $ 163 $ 1,100
XML 68 R99.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 5: Accounting For Certain Loans Acquired in A Transfer: Schedule of Acquired Loans in Transfer Accretable Yield (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Details        
Balance at beginning of period $ 183 $ 305 $ 220 $ 589
Certain Loans Acquired In Transfer Accretable Yield Additions 0 102 0 102
Certain Loans Acquired In Transfer Accretable Yield Accretion (79) (144) (163) (1,089)
Certain Loans Acquired In Transfer Accretable Yield Reclassification from Nonaccretable Difference 83 108 130 973
Certain Loans Acquired In Transfer Accretable Yield Disposals 0 0 0 (204)
Balance at end of period $ 187 $ 371 $ 187 $ 371
XML 69 R69.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 8: Earnings Per Share: Schedule of Earnings Per Share, Basic and Diluted (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Earnings Per Share, Basic and Diluted

 

 

Three months ended

 

 

Six months ended

 

December 31,

 

 

December 31,

 

 

2019

 

 

2018

 

 

 

2019

 

 

2018

 

 

 

 

 

 

 

 

 

 

 

(dollars in thousands except per share data)

 

 

 

 

 

 

 

 

 

 

 

 

Net income

$

7,717

 

$

7,454

 

 

$

15,545

 

$

14,254

 

 

 

 

 

 

 

 

 

 

 

 

 

Average Common shares – outstanding basic

 

9,202,052

 

 

9,136,873

 

 

 

9,217,155

 

 

9,066,597

Stock options under treasury stock method

 

10,847

 

 

11,860

 

 

 

9,675

 

 

12,342

Average Common shares – outstanding diluted

 

9,212,899

 

 

9,148,733

 

 

 

9,226,830

 

 

9,078,939

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic earnings per common share

$

0.84

 

$

0.82

 

 

$

1.69

 

$

1.57

Diluted earnings per common share

$

0.84

 

$

0.81

 

 

$

1.68

 

$

1.57

 
XML 70 R117.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 12: Fair Value Measurements: Fair Value Measurements, Nonrecurring (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Foreclosed and repossessed assets held for sale    
Fair value on a nonrecurring basis $ 553 $ 2,430
XML 71 R113.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 9: Income Taxes: Reconciliation of Income Tax Expense at the Statutory Rate to Actual Income Tax (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount $ 2,024 $ 1,944 $ 4,083 $ 3,722
Other, net (20) 27 (45) (16)
Income Tax Expense, Actual 1,921 1,802 3,896 3,469
Increase (Decrease) in Taxes        
Nontaxable Municipal Income (113) (77) (226) (149)
Current State and Local Tax Expense (Benefit) 87 101 196 224
Cash Surrender Value Of Bank-owned Life Insurance (53) (125) (106) (176)
Tax Credit Benefits $ (4) $ (68) $ (6) $ (136)
XML 72 R23.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Use of Estimates Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Use of Estimates Policy

Use of Estimates. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

 

Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and estimated fair values of purchased loans.
XML 73 R27.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Federal Reserve Bank and Federal Home Loan Bank Stock (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Federal Reserve Bank and Federal Home Loan Bank Stock Federal Home Loan Bank and Federal Reserve Bank Stock. The Bank is a member of the Federal Home Loan Bank (FHLB) system, and the Federal Reserve Bank of St. Louis. Capital stock of the FHLB and the Federal Reserve is a required investment based upon a predetermined formula and is carried at cost.
XML 74 R34.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Income Tax, Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Income Tax, Policy The Company files consolidated income tax returns with its subsidiaries.
XML 75 R30.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Property, Plant and Equipment, Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Property, Plant and Equipment, Policy Depreciation is computed by use of straight-line and accelerated methods over the estimated useful lives of the assets. Estimated lives are generally seven to forty years for premises, three to seven years for equipment, and three years for software.
XML 76 R3.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Condensed Consolidated Balance Sheets - Parenthetical - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Details    
Loans and Leases Receivable, Allowance $ 20,814 $ 19,903
Common Stock, Par or Stated Value Per Share $ 0.01 $ 0.01
Common Stock, Shares Authorized 25,000,000 25,000,000
Common Stock, Shares, Issued 9,328,184 9,324,659
Treasury Stock, Shares 121,401 35,351
XML 77 R38.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Earnings Per Share, Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Earnings Per Share, Policy Earnings Per Share. Basic earnings per share available to common stockholders is computed using the weighted-average number of common shares outstanding. Diluted earnings per share available to common stockholders includes the effect of all weighted-average dilutive potential common shares (stock options) outstanding during each period.
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Accordingly, they do not include all of the information and footnotes required by accounting principles generally accepted in the United States of America for complete financial statements. In the opinion of management, all material adjustments (consisting only of normal recurring accruals) considered necessary for a fair presentation have been included. The consolidated balance sheet of the Company as of June 30, 2019, has been derived from the audited consolidated balance sheet of the Company as of that date. Operating results for the three- and six- month periods ended December 31, 2019, are not necessarily indicative of the results that may be expected for the entire fiscal year. For additional information, refer to the audited consolidated financial statements included in the Company’s June 30, 2019, Form 10-K, which was filed with the SEC.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, Southern Bank. All significant intercompany accounts and transactions have been eliminated in consolidation.</p> <p style="font:10pt Calibri;margin:0">Note 2:  <span style="border-bottom:1px solid #000000">Organization and Summary of Significant Accounting Policies</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Organization.</b> Southern Missouri Bancorp, Inc., a Missouri corporation (the Company) was organized in 1994 and is the parent company of Southern Bank (the Bank). Substantially all of the Company’s consolidated revenues are derived from the operations of the Bank, and the Bank represents substantially all of the Company’s consolidated assets and liabilities.  SB Real Estate Investments, LLC is a wholly-owned subsidiary of the Bank formed to hold Southern Bank Real Estate Investments, LLC.  Southern Bank Real Estate Investments, LLC is a real estate investment trust (REIT) which is controlled by the investment subsidiary, and has other preferred shareholders in order to meet the requirements to be a REIT.  At December 31, 2019, assets of the REIT were approximately $751 million, and consisted primarily of loan participations acquired from the Bank.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The Bank is primarily engaged in providing a full range of banking and financial services to individuals and corporate customers in its market areas. The Bank and Company are subject to competition from other financial institutions. The Bank and Company are subject to the regulation of certain federal and state agencies and undergo periodic examinations by those regulatory authorities.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri"><b>Basis of Financial Statement Presentation.</b> The consolidated financial statements of the Company have been prepared in conformity with accounting principles generally accepted in the United States of America and general practices within the banking industry. In the normal course of business, the Company encounters two significant types of risk: economic and regulatory. Economic risk is comprised of interest rate risk, credit risk, and market risk. The Company is subject to interest rate risk to the degree that its interest-bearing liabilities reprice on a different basis than its interest-earning assets. Credit risk is the risk of default on the Company’s investment or loan portfolios resulting from the borrowers’ inability or unwillingness to make contractually required payments. Market risk reflects changes in the value of the investment portfolio, collateral underlying loans receivable, and the value of the Company’s investments in real estate.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Principles of Consolidation.</b> The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank. All significant intercompany accounts and transactions have been eliminated.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Use of Estimates.</b> The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri">Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and estimated fair values of purchased loans.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri"><b>Cash and Cash Equivalents.</b><i> </i>For purposes of reporting cash flows, cash and cash equivalents includes cash, due from depository institutions and interest-bearing deposits in other depository institutions with original maturities of three months or less. Interest-bearing deposits in other depository institutions were $5.3 million and $6.9 million at December 31 and June 30, 2019, respectively. The deposits are held in various commercial banks in amounts not exceeding the FDIC’s deposit insurance limits, as well as at the Federal Reserve and the Federal Home Loan Bank of Des Moines and Chicago.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Interest-bearing Time Deposits. </b>Interest bearing deposits in banks mature within seven years and are carried at cost.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Available for Sale Securities.</b><i> </i>Available for sale securities, which include any security for which the Company has no immediate plan to sell but which may be sold in the future, are carried at fair value. Unrealized gains and losses, net of tax, are reported in accumulated other comprehensive income, a component of stockholders’ equity. All securities have been classified as available for sale.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Premiums and discounts on debt securities are amortized or accreted as adjustments to income over the estimated life of the security using the level yield method. Realized gains or losses on the sale of securities is based on the specific identification method. The fair value of securities is based on quoted market prices or dealer quotes. If a quoted market price is not available, fair value is estimated using quoted market prices for similar securities.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The Company does not invest in collateralized mortgage obligations that are considered high risk.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri">When the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. As a result of this guidance, the Company’s consolidated balance sheet as of the dates presented reflects the full impairment (that is, the difference between the security’s amortized cost basis and fair value) on debt securities that the Company intends to sell or would more likely than not be required to sell before the expected recovery of the amortized cost basis. For available-for-sale debt securities that management has no intent to sell and believes that it more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income. The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow projections.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri"><b>Federal Home Loan Bank and Federal Reserve Bank Stock. </b>The Bank is a member of the Federal Home Loan Bank (FHLB) system, and the Federal Reserve Bank of St. Louis. Capital stock of the FHLB and the Federal Reserve is a required investment based upon a predetermined formula and is carried at cost.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Loans. </b>Loans are generally stated at unpaid principal balances, less the allowance for loan losses, any net deferred loan origination fees, and unamortized premiums or discounts on purchased loans. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Interest on loans is accrued based upon the principal amount outstanding. The accrual of interest on loans is discontinued when, in management’s judgment, the collectability of interest or principal in the normal course of business is doubtful. The Company complies with regulatory guidance which indicates that loans should be placed in nonaccrual status when 90 days past due, unless the loan is both well-secured and in the process of collection. A loan that is “in the process of collection” may be subject to legal action or, in appropriate circumstances, through other collection efforts reasonably expected to result in repayment or restoration to current status in the near future. A loan is considered delinquent when a payment has not been made by the contractual due date. Interest income previously accrued but not collected at the date a loan is placed on nonaccrual status is reversed against interest income. Cash receipts on a nonaccrual loan are applied to principal and interest in accordance with its contractual terms unless full payment of principal is not expected, in which case cash receipts, whether designated as principal or interest, are applied as a reduction of the carrying value of the loan. A nonaccrual loan is generally returned to accrual status when principal and interest payments are current, full collectability of principal and interest is reasonably assured, and a consistent record of performance has been demonstrated.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The allowance for losses on loans represents management’s best estimate of losses probable in the existing loan portfolio. The allowance for losses on loans is increased by the provision for losses on loans charged to expense and reduced by loans charged off, net of recoveries. Loans are charged off in the period deemed uncollectible, based on management’s analysis of expected cash flows (for non-collateral dependent loans) or collateral value (for collateral-dependent loans). Subsequent recoveries of loans previously charged off, if any, are credited to the allowance when received. The provision for losses on loans is determined based on management’s assessment of several factors: reviews and evaluations of specific loans, changes in the nature and volume of the loan portfolio, current economic conditions and the related impact on specific borrowers and industry groups, historical loan loss experience, the level of classified and nonperforming loans and the results of regulatory examinations.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Loans are considered impaired if, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Depending on a particular loan’s circumstances, we measure impairment of a loan based upon either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s observable market price, or the fair value of the collateral less estimated costs to sell if the loan is collateral dependent. Valuation allowances are established for collateral-dependent impaired loans for the difference between the loan amount and fair value of collateral less estimated selling costs. For impaired loans that are not collateral dependent, a valuation allowance is established for the difference between the loan amount and the present value of expected future cash flows discounted at the historical effective interest rate or the observable market price of the loan. Impairment losses are recognized through an increase in the required allowance for loan losses. Cash receipts on loans deemed impaired are recorded based on the loan’s separate status as a nonaccrual loan or an accrual status loan. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Some loans are accounted for in accordance with ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality. For these loans (“purchased credit impaired loans”), the Company recorded a fair value discount and began carrying them at book value less their face amount (see Note 4). For these loans, we determined the contractual amount and timing of undiscounted principal and interest payments (the “undiscounted contractual cash flows”), and estimated the amount and timing of undiscounted expected principal and interest payments, including expected prepayments (the “undiscounted expected cash flows”). Under acquired impaired loan accounting, the difference between the undiscounted contractual cash flows and the undiscounted expected cash flows is the nonaccretable difference. The nonaccretable difference is an estimate of the loss exposure of principal and interest related to the purchased credit impaired loans, and the amount is subject to change over time based on the performance of the loans. The carrying value of purchased credit impaired loans is initially determined as the discounted expected cash flows. The excess of expected cash flows at acquisition over the initial fair value of the purchased credit impaired loans is referred to as the “accretable yield” and is recorded as interest income over the estimated life of the acquired loans using the level-yield method, if the timing and amount of the future cash flows is reasonably estimable. The carrying value of purchased credit impaired loans is reduced by payments received, both principal and interest, and increased by the portion of the accretable yield recognized as interest income. Subsequent to acquisition, the Company evaluates the purchased credit impaired loans on a quarterly basis. Increases in expected cash flows compared to those previously estimated increase the accretable yield and are </p> <p style="font:10pt Calibri;margin:0">recognized as interest income prospectively. Decreases in expected cash flows compared to those previously estimated decrease the accretable yield and may result in the establishment of an allowance for loan losses and a provision for loan losses. Purchased credit impaired loans are generally considered accruing and performing loans, as the loans accrete interest income over the estimated life of the loan when expected cash flows are reasonably estimable. Accordingly, purchased credit impaired loans that are contractually past due are still considered to be accruing and performing as long as there is an expectation that the estimated cash flows will be received. If the timing and amount of cash flows is not reasonably estimable, the loans may be classified as nonaccrual loans. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri">Loan fees and certain direct loan origination costs are deferred, and the net fee or cost is recognized as an adjustment to interest income using the interest method over the contractual life of the loans.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Foreclosed Real Estate. </b>Real estate acquired by foreclosure or by deed in lieu of foreclosure is initially recorded at fair value less estimated selling costs, establishing a new cost basis.  Costs for development and improvement of the property are capitalized.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Valuations are periodically performed by management, and an allowance for losses is established by a charge to operations if the carrying value of a property exceeds its estimated fair value, less estimated selling costs.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri">Loans to facilitate the sale of real estate acquired in foreclosure are discounted if made at less than market rates. Discounts are amortized over the fixed interest period of each loan using the interest method.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Premises and Equipment.</b> Premises and equipment are stated at cost less accumulated depreciation and include expenditures for major betterments and renewals. Maintenance, repairs, and minor renewals are expensed as incurred. When property is retired or sold, the retired asset and related accumulated depreciation are removed from the accounts and the resulting gain or loss taken into income. The Company reviews property and equipment for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. If such assets are considered to be impaired, the impairment loss recognized is measured by the amount by which the carrying amount exceeds the fair value of the assets.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri">Depreciation is computed by use of straight-line and accelerated methods over the estimated useful lives of the assets. Estimated lives are generally seven to forty years for premises, three to seven years for equipment, and three years for software.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Bank Owned Life Insurance.</b> Bank owned life insurance policies are reflected in the consolidated balance sheets at the estimated cash surrender value.  Changes in the cash surrender value of these policies, as well as a portion of the insurance proceeds received, are recorded in noninterest income in the consolidated statements of income.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri"><b>Goodwill.</b> The Company’s goodwill is evaluated annually for impairment or more frequently if impairment indicators are present.  A qualitative assessment is performed to determine whether the existence of events or circumstances leads to a determination that it is more likely than not the fair value is less than the carrying amount, including goodwill.  If, based on the evaluation, it is determined to be more likely than not that the fair value is less than the carrying value, then goodwill is tested further for impairment.  If the implied fair value of goodwill is lower than its carrying amount, a goodwill impairment is indicated and goodwill is written down to its implied fair value.  Subsequent increases in goodwill value are not recognized in the financial statements.  As of June 30, 2019, there was no impairment indicated, and the Company believes there continues to be no impairment of goodwill at December 31, 2019.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri"><b>Other Intangible Assets.</b>  The Company’s other intangible assets at December 31, 2019 included gross core deposit intangibles of $14.7 million with $7.8 million accumulated amortization and mortgage servicing rights of $1.4 million. At June 30, 2019, the Company’s intangible assets included gross core deposit intangibles of $14.7 million with $6.9 million accumulated amortization and mortgage servicing rights of $1.5 million. The Company’s core deposit intangible assets are being amortized using the straight line method, over periods ranging from five to seven years, with amortization expense expected to be approximately $882,000 in the remainder of fiscal 2020, $1.3 million in fiscal 2021 through fiscal 2024, and $1.0 million in total thereafter. As of June 30, 2019, there was no impairment indicated, and the Company believes there continues to be no impairment of other intangible assets at December 31, 2019.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Income Taxes. </b>The Company accounts for income taxes in accordance with income tax accounting guidance (ASC 740, Income Taxes). The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The Company recognizes interest and penalties on income taxes as a component of income tax expense.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri">The Company files consolidated income tax returns with its subsidiaries.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri"><b>Incentive Plan.</b><i> </i>The Company accounts for its Management and Recognition Plan (MRP) and Equity Incentive Plan (EIP) in accordance with ASC 718, “Share-Based Payment.” Compensation expense is based on the market price of the Company’s stock on the date the shares are granted and is recorded over the vesting period. The difference between the grant date fair value and the fair value on the date the shares are considered earned represents a tax benefit to the Company that is recorded as an adjustment to income tax expense.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Outside Directors’ Retirement.  </b><i> </i>The Bank adopted a directors’ retirement plan in April 1994 for outside directors. The directors’ retirement plan provides that each non-employee director (participant) shall receive, upon termination of service on the Board on or after age 60, other than termination for cause, a benefit in equal annual installments over a five year period. The benefit will be based upon the product of the participant’s vesting percentage and the total Board fees paid to the participant during the calendar year preceding termination of service on the Board. The vesting percentage shall be determined based upon the participant’s years of service on the Board.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri">In the event that the participant dies before collecting any or all of the benefits, the Bank shall pay the participant’s beneficiary. No benefits shall be payable to anyone other than the beneficiary, and benefits shall terminate on the death of the beneficiary.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri"><b>Stock Options.</b> Compensation cost is measured based on the grant-date fair value of the equity instruments issued, and recognized over the vesting period during which an employee provides service in exchange for the award. </span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri"><b>Earnings Per Share.</b><i> </i>Basic earnings per share available to common stockholders is computed using the weighted-average number of common shares outstanding. Diluted earnings per share available to common stockholders includes the effect of all weighted-average dilutive potential common shares (stock options) outstanding during each period.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri"><b>Comprehensive Income.</b> Comprehensive income consists of net income and other comprehensive income (loss), net of applicable income taxes. Other comprehensive income includes unrealized appreciation on available-for-sale securities, unrealized appreciation (depreciation) on available-for-sale securities for which a portion of an other-than-temporary impairment has been recognized in income, and changes in the funded status of defined benefit pension plans.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri"><b>Transfers Between Fair Value Hierarchy Levels.  </b>Transfers in and out of Level 1 (quoted market prices), Level 2 (other significant observable inputs) and Level 3 (significant unobservable inputs) are recognized on the period ending date.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>The following paragraphs summarize the impact of new accounting pronouncements: </b></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820) - Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. ASU 2018-13 modifies the disclosure requirements on fair value measurements in Topic 820. The amendments in this update remove disclosures that no longer are considered cost beneficial, modify/clarify the specific requirements of certain disclosures, and add disclosure requirements identified as relevant. ASU 2018-13 is effective for fiscal years beginning after December 15, 2019, with early adoption permitted for certain removed and modified disclosures, and is not expected to have a significant impact on our financial statements.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326).  The Update amends guidance on reporting credit losses for assets held at amortized cost basis and available for sale debt securities. For assets held at amortized cost basis, Topic 326 eliminates the probable initial recognition threshold in current GAAP and, instead, requires an entity to reflect its current estimate of all expected credit losses. The Update affects loans, debt securities, trade receivables, net investments in leases, off balance sheet credit exposures, and any other financial assets not excluded from the scope that have the contractual right to receive cash.  For public companies, the ASU is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years.  Early adoption is available beginning after December 15, 2018, including interim periods within those fiscal years. Adoption will be applied on a modified retrospective basis, through a cumulative-effect adjustment to retained earnings. The Company formed a working group of key personnel responsible for the allowance for loan losses estimate and initiated its evaluation of the data and systems requirements of adoption of the Update.  The group determined that purchasing third party software would be the most effective method to comply with the requirements, evaluated several outside vendors, and made a vendor recommendation that was approved by the Board.  Model validation and data testing using existing ALLL methodology have been completed. Parallel testing of the new methodology compared to the current methodology will be performed throughout fiscal year 2020 and the Company continues to evaluate the impact of adopting the new guidance.  We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, which for the Company will be the three-month period ending September 30, 2020, but cannot yet determine the overall impact of the new guidance on the Company’s consolidated financial statements, or the exact amount of any such one-time adjustment.    </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">In February 2016, the FASB issued ASU 2016-02, “Leases,” to revise the accounting related to lease accounting.  Under the new guidance, a lessee is required to record a right-of-use (ROU) asset and a lease liability on the balance sheet for all leases with terms longer than 12 months.   The Update was effective for the Company July 1, 2019.   Adoption of the standard allows the use of a modified retrospective transition approach for all periods presented at the time of adoption.  Based on the Company’s leases outstanding at December 31, 2019, which included five leased properties and numerous office equipment leases, the adoption of the new standard did not have a material impact on our consolidated statements of financial condition or our consolidated statements of income, although an increase to assets and liabilities occurred at the time of adoption.  In the first quarter of 2020, the Company recognized a ROU asset and corresponding lease liability for all leases of approximately $2.0 million based on the lease portfolio at that time.  The Company’s new leases, lease terminations, and lease modifications and renewals will impact the amount of ROU asset and corresponding lease liability recognized.  The Company’s leases are all currently “operating leases” as defined in the Update; therefore, no material change in the income statement presentation of lease expense is anticipated. </p> <p style="font:10pt Calibri;margin:0"> </p> MO 751000000 <span style="font:10pt Calibri"><b>Basis of Financial Statement Presentation.</b> The consolidated financial statements of the Company have been prepared in conformity with accounting principles generally accepted in the United States of America and general practices within the banking industry. In the normal course of business, the Company encounters two significant types of risk: economic and regulatory. Economic risk is comprised of interest rate risk, credit risk, and market risk. The Company is subject to interest rate risk to the degree that its interest-bearing liabilities reprice on a different basis than its interest-earning assets. Credit risk is the risk of default on the Company’s investment or loan portfolios resulting from the borrowers’ inability or unwillingness to make contractually required payments. Market risk reflects changes in the value of the investment portfolio, collateral underlying loans receivable, and the value of the Company’s investments in real estate.</span> <p style="font:10pt Calibri;margin:0"><b>Principles of Consolidation.</b> The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank. All significant intercompany accounts and transactions have been eliminated.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Use of Estimates.</b> The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.</p> <p style="font:10pt Calibri;margin:0"> </p> <span style="font:10pt Calibri">Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and estimated fair values of purchased loans.</span> <span style="font:10pt Calibri"><b>Cash and Cash Equivalents.</b><i> </i>For purposes of reporting cash flows, cash and cash equivalents includes cash, due from depository institutions and interest-bearing deposits in other depository institutions with original maturities of three months or less. Interest-bearing deposits in other depository institutions were $5.3 million and $6.9 million at December 31 and June 30, 2019, respectively. The deposits are held in various commercial banks in amounts not exceeding the FDIC’s deposit insurance limits, as well as at the Federal Reserve and the Federal Home Loan Bank of Des Moines and Chicago.</span> 5300000 6900000 <p style="font:10pt Calibri;margin:0"><b>Interest-bearing Time Deposits. </b>Interest bearing deposits in banks mature within seven years and are carried at cost.</p> <span style="font:10pt Calibri">When the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. As a result of this guidance, the Company’s consolidated balance sheet as of the dates presented reflects the full impairment (that is, the difference between the security’s amortized cost basis and fair value) on debt securities that the Company intends to sell or would more likely than not be required to sell before the expected recovery of the amortized cost basis. For available-for-sale debt securities that management has no intent to sell and believes that it more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income. The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow projections.</span> <span style="font:10pt Calibri"><b>Federal Home Loan Bank and Federal Reserve Bank Stock. </b>The Bank is a member of the Federal Home Loan Bank (FHLB) system, and the Federal Reserve Bank of St. Louis. Capital stock of the FHLB and the Federal Reserve is a required investment based upon a predetermined formula and is carried at cost.</span> <p style="font:10pt Calibri;margin:0"><b>Loans. </b>Loans are generally stated at unpaid principal balances, less the allowance for loan losses, any net deferred loan origination fees, and unamortized premiums or discounts on purchased loans. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Interest on loans is accrued based upon the principal amount outstanding. The accrual of interest on loans is discontinued when, in management’s judgment, the collectability of interest or principal in the normal course of business is doubtful. The Company complies with regulatory guidance which indicates that loans should be placed in nonaccrual status when 90 days past due, unless the loan is both well-secured and in the process of collection. A loan that is “in the process of collection” may be subject to legal action or, in appropriate circumstances, through other collection efforts reasonably expected to result in repayment or restoration to current status in the near future. A loan is considered delinquent when a payment has not been made by the contractual due date. Interest income previously accrued but not collected at the date a loan is placed on nonaccrual status is reversed against interest income. Cash receipts on a nonaccrual loan are applied to principal and interest in accordance with its contractual terms unless full payment of principal is not expected, in which case cash receipts, whether designated as principal or interest, are applied as a reduction of the carrying value of the loan. A nonaccrual loan is generally returned to accrual status when principal and interest payments are current, full collectability of principal and interest is reasonably assured, and a consistent record of performance has been demonstrated.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The allowance for losses on loans represents management’s best estimate of losses probable in the existing loan portfolio. The allowance for losses on loans is increased by the provision for losses on loans charged to expense and reduced by loans charged off, net of recoveries. Loans are charged off in the period deemed uncollectible, based on management’s analysis of expected cash flows (for non-collateral dependent loans) or collateral value (for collateral-dependent loans). Subsequent recoveries of loans previously charged off, if any, are credited to the allowance when received. The provision for losses on loans is determined based on management’s assessment of several factors: reviews and evaluations of specific loans, changes in the nature and volume of the loan portfolio, current economic conditions and the related impact on specific borrowers and industry groups, historical loan loss experience, the level of classified and nonperforming loans and the results of regulatory examinations.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Loans are considered impaired if, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Depending on a particular loan’s circumstances, we measure impairment of a loan based upon either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s observable market price, or the fair value of the collateral less estimated costs to sell if the loan is collateral dependent. Valuation allowances are established for collateral-dependent impaired loans for the difference between the loan amount and fair value of collateral less estimated selling costs. For impaired loans that are not collateral dependent, a valuation allowance is established for the difference between the loan amount and the present value of expected future cash flows discounted at the historical effective interest rate or the observable market price of the loan. Impairment losses are recognized through an increase in the required allowance for loan losses. Cash receipts on loans deemed impaired are recorded based on the loan’s separate status as a nonaccrual loan or an accrual status loan. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Some loans are accounted for in accordance with ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality. For these loans (“purchased credit impaired loans”), the Company recorded a fair value discount and began carrying them at book value less their face amount (see Note 4). For these loans, we determined the contractual amount and timing of undiscounted principal and interest payments (the “undiscounted contractual cash flows”), and estimated the amount and timing of undiscounted expected principal and interest payments, including expected prepayments (the “undiscounted expected cash flows”). Under acquired impaired loan accounting, the difference between the undiscounted contractual cash flows and the undiscounted expected cash flows is the nonaccretable difference. The nonaccretable difference is an estimate of the loss exposure of principal and interest related to the purchased credit impaired loans, and the amount is subject to change over time based on the performance of the loans. The carrying value of purchased credit impaired loans is initially determined as the discounted expected cash flows. The excess of expected cash flows at acquisition over the initial fair value of the purchased credit impaired loans is referred to as the “accretable yield” and is recorded as interest income over the estimated life of the acquired loans using the level-yield method, if the timing and amount of the future cash flows is reasonably estimable. The carrying value of purchased credit impaired loans is reduced by payments received, both principal and interest, and increased by the portion of the accretable yield recognized as interest income. Subsequent to acquisition, the Company evaluates the purchased credit impaired loans on a quarterly basis. Increases in expected cash flows compared to those previously estimated increase the accretable yield and are </p> <span style="font:10pt Calibri">Loan fees and certain direct loan origination costs are deferred, and the net fee or cost is recognized as an adjustment to interest income using the interest method over the contractual life of the loans.</span> <span style="font:10pt Calibri">Loans to facilitate the sale of real estate acquired in foreclosure are discounted if made at less than market rates. Discounts are amortized over the fixed interest period of each loan using the interest method.</span> <span style="font:10pt Calibri">Depreciation is computed by use of straight-line and accelerated methods over the estimated useful lives of the assets. Estimated lives are generally seven to forty years for premises, three to seven years for equipment, and three years for software.</span> <p style="font:10pt Calibri;margin:0"><b>Bank Owned Life Insurance.</b> Bank owned life insurance policies are reflected in the consolidated balance sheets at the estimated cash surrender value.  Changes in the cash surrender value of these policies, as well as a portion of the insurance proceeds received, are recorded in noninterest income in the consolidated statements of income.</p> <span style="font:10pt Calibri"><b>Goodwill.</b> The Company’s goodwill is evaluated annually for impairment or more frequently if impairment indicators are present.  A qualitative assessment is performed to determine whether the existence of events or circumstances leads to a determination that it is more likely than not the fair value is less than the carrying amount, including goodwill.  If, based on the evaluation, it is determined to be more likely than not that the fair value is less than the carrying value, then goodwill is tested further for impairment.  If the implied fair value of goodwill is lower than its carrying amount, a goodwill impairment is indicated and goodwill is written down to its implied fair value.  Subsequent increases in goodwill value are not recognized in the financial statements.  As of June 30, 2019, there was no impairment indicated, and the Company believes there continues to be no impairment of goodwill at December 31, 2019.</span> <span style="font:10pt Calibri"><b>Other Intangible Assets.</b>  The Company’s other intangible assets at December 31, 2019 included gross core deposit intangibles of $14.7 million with $7.8 million accumulated amortization and mortgage servicing rights of $1.4 million. At June 30, 2019, the Company’s intangible assets included gross core deposit intangibles of $14.7 million with $6.9 million accumulated amortization and mortgage servicing rights of $1.5 million. The Company’s core deposit intangible assets are being amortized using the straight line method, over periods ranging from five to seven years, with amortization expense expected to be approximately $882,000 in the remainder of fiscal 2020, $1.3 million in fiscal 2021 through fiscal 2024, and $1.0 million in total thereafter. As of June 30, 2019, there was no impairment indicated, and the Company believes there continues to be no impairment of other intangible assets at December 31, 2019.</span> 14700000 7800000 1400000 14700000 6900000 1500000 periods ranging from five to seven years 882000000 1300000 1300000 1300000 1300000 1000000.0 <span style="font:10pt Calibri">The Company files consolidated income tax returns with its subsidiaries.</span> <span style="font:10pt Calibri"><b>Incentive Plan.</b><i> </i>The Company accounts for its Management and Recognition Plan (MRP) and Equity Incentive Plan (EIP) in accordance with ASC 718, “Share-Based Payment.” Compensation expense is based on the market price of the Company’s stock on the date the shares are granted and is recorded over the vesting period. The difference between the grant date fair value and the fair value on the date the shares are considered earned represents a tax benefit to the Company that is recorded as an adjustment to income tax expense.</span> <span style="font:10pt Calibri">In the event that the participant dies before collecting any or all of the benefits, the Bank shall pay the participant’s beneficiary. No benefits shall be payable to anyone other than the beneficiary, and benefits shall terminate on the death of the beneficiary.</span> <span style="font:10pt Calibri"><b>Stock Options.</b> Compensation cost is measured based on the grant-date fair value of the equity instruments issued, and recognized over the vesting period during which an employee provides service in exchange for the award. </span> <span style="font:10pt Calibri"><b>Earnings Per Share.</b><i> </i>Basic earnings per share available to common stockholders is computed using the weighted-average number of common shares outstanding. Diluted earnings per share available to common stockholders includes the effect of all weighted-average dilutive potential common shares (stock options) outstanding during each period.</span> <span style="font:10pt Calibri"><b>Comprehensive Income.</b> Comprehensive income consists of net income and other comprehensive income (loss), net of applicable income taxes. Other comprehensive income includes unrealized appreciation on available-for-sale securities, unrealized appreciation (depreciation) on available-for-sale securities for which a portion of an other-than-temporary impairment has been recognized in income, and changes in the funded status of defined benefit pension plans.</span> <span style="font:10pt Calibri"><b>Transfers Between Fair Value Hierarchy Levels.  </b>Transfers in and out of Level 1 (quoted market prices), Level 2 (other significant observable inputs) and Level 3 (significant unobservable inputs) are recognized on the period ending date.</span> <p style="font:10pt Calibri;margin:0"><b>The following paragraphs summarize the impact of new accounting pronouncements: </b></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820) - Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. ASU 2018-13 modifies the disclosure requirements on fair value measurements in Topic 820. The amendments in this update remove disclosures that no longer are considered cost beneficial, modify/clarify the specific requirements of certain disclosures, and add disclosure requirements identified as relevant. ASU 2018-13 is effective for fiscal years beginning after December 15, 2019, with early adoption permitted for certain removed and modified disclosures, and is not expected to have a significant impact on our financial statements.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326).  The Update amends guidance on reporting credit losses for assets held at amortized cost basis and available for sale debt securities. For assets held at amortized cost basis, Topic 326 eliminates the probable initial recognition threshold in current GAAP and, instead, requires an entity to reflect its current estimate of all expected credit losses. The Update affects loans, debt securities, trade receivables, net investments in leases, off balance sheet credit exposures, and any other financial assets not excluded from the scope that have the contractual right to receive cash.  For public companies, the ASU is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years.  Early adoption is available beginning after December 15, 2018, including interim periods within those fiscal years. Adoption will be applied on a modified retrospective basis, through a cumulative-effect adjustment to retained earnings. The Company formed a working group of key personnel responsible for the allowance for loan losses estimate and initiated its evaluation of the data and systems requirements of adoption of the Update.  The group determined that purchasing third party software would be the most effective method to comply with the requirements, evaluated several outside vendors, and made a vendor recommendation that was approved by the Board.  Model validation and data testing using existing ALLL methodology have been completed. Parallel testing of the new methodology compared to the current methodology will be performed throughout fiscal year 2020 and the Company continues to evaluate the impact of adopting the new guidance.  We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, which for the Company will be the three-month period ending September 30, 2020, but cannot yet determine the overall impact of the new guidance on the Company’s consolidated financial statements, or the exact amount of any such one-time adjustment.    </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">In February 2016, the FASB issued ASU 2016-02, “Leases,” to revise the accounting related to lease accounting.  Under the new guidance, a lessee is required to record a right-of-use (ROU) asset and a lease liability on the balance sheet for all leases with terms longer than 12 months.   The Update was effective for the Company July 1, 2019.   Adoption of the standard allows the use of a modified retrospective transition approach for all periods presented at the time of adoption.  Based on the Company’s leases outstanding at December 31, 2019, which included five leased properties and numerous office equipment leases, the adoption of the new standard did not have a material impact on our consolidated statements of financial condition or our consolidated statements of income, although an increase to assets and liabilities occurred at the time of adoption.  In the first quarter of 2020, the Company recognized a ROU asset and corresponding lease liability for all leases of approximately $2.0 million based on the lease portfolio at that time.  The Company’s new leases, lease terminations, and lease modifications and renewals will impact the amount of ROU asset and corresponding lease liability recognized.  The Company’s leases are all currently “operating leases” as defined in the Update; therefore, no material change in the income statement presentation of lease expense is anticipated. </p> <p style="font:10pt Calibri;margin:0">Note 3:  <span style="border-bottom:1px solid #000000">Securities</span> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The amortized cost, gross unrealized gains, gross unrealized losses, and approximate fair value of securities available for sale consisted of the following:</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:49.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:50.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><b>December 31, 2019</b></p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Gross</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Gross</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Estimated</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Amortized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Cost</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Gains</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Value</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:10.18%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:9.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">Investment and mortgage backed securities:</p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:10.18%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  U.S. government-sponsored enterprises (GSEs)</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,291</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(1)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,295</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  State and political subdivisions</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">41,445</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">811</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(18)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">42,238</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Other securities</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,172</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">78</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(227)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,023</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Mortgage-backed GSE residential</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">123,769</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,724</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(206)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">125,287</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">     Total investments and mortgage-backed securities</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">173,677</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">2,618</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(452)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">175,843</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:49.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:50.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Gross</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Gross</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Estimated</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Amortized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Cost</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Gains</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Value</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:9.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">Investment and mortgage backed securities:</p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  U.S. government-sponsored enterprises (GSEs)</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">7,284</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(15)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">7,270</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  State and political subdivisions</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">42,123</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">728</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(68)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">42,783</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Other securities</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,176</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">75</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(198)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,053</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Mortgage-backed GSE residential</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">109,297</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,449</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(317)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">110,429</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">     Total investments and mortgage-backed securities</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">163,880</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">2,253</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(598)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">165,535</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The amortized cost and estimated fair value of investment and mortgage-backed securities, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:415.85pt"><tr style="height:7.2pt"><td style="width:243.8pt;white-space:nowrap" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:172.05pt;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><span style="border-bottom:1px solid #000000"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:84.5pt;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Amortized</p> </td><td style="width:87.55pt;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Estimated</p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:84.5pt;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><span style="border-bottom:1px solid #000000">Cost</span></p> </td><td style="width:87.55pt;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><span style="border-bottom:1px solid #000000">Fair Value</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt" valign="bottom"><p style="font:9pt Calibri;margin:0">   Within one year</p> </td><td style="width:84.5pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> $                     4,801 </span></p> </td><td style="width:87.55pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> $                     4,805 </span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt" valign="bottom"><p style="font:9pt Calibri;margin:0">   After one year but less than five years</p> </td><td style="width:84.5pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                         8,495 </span></p> </td><td style="width:87.55pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                         8,569 </span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt" valign="bottom"><p style="font:9pt Calibri;margin:0">   After five years but less than ten years</p> </td><td style="width:84.5pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                      17,376 </span></p> </td><td style="width:87.55pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                      17,663 </span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt" valign="bottom"><p style="font:9pt Calibri;margin:0">   After ten years</p> </td><td style="width:84.5pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                      19,236 </span></p> </td><td style="width:87.55pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                      19,519 </span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt" valign="bottom"><p style="font:9pt Calibri;margin:0">      Total investment securities</p> </td><td style="width:84.5pt;white-space:nowrap;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                      49,908 </span></p> </td><td style="width:87.55pt;white-space:nowrap;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                      50,556 </span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt" valign="bottom"><p style="font:9pt Calibri;margin:0">   Mortgage-backed securities</p> </td><td style="width:84.5pt;white-space:nowrap;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                    123,769 </span></p> </td><td style="width:87.55pt;white-space:nowrap;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                    125,287 </span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt" valign="bottom"><p style="font:9pt Calibri;margin:0">     Total investments and mortgage-backed securities</p> </td><td style="width:84.5pt;white-space:nowrap;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> $                 173,677 </span></p> </td><td style="width:87.55pt;white-space:nowrap;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> $                 175,843 </span></p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The carrying value of investment and mortgage-backed securities pledged as collateral to secure public deposits and securities sold under agreements to repurchase amounted to $123.8 million at December 31, 2019 and $143.7 million at June 30, 2019.  The securities pledged consist of marketable securities, including $1.6 million and $5.6 million of U.S. Government and Federal Agency Obligations, $36.5 million and $47.3 million of Mortgage-Backed Securities, $51.8 million and $55.7 million of Collateralized Mortgage Obligations, $33.8 million and $34.9 million of State and Political Subdivisions Obligations, and $200,000 and $300,000 of Other Securities at December 31 and June 30, 2019, respectively.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The following tables reflect the Company’s investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31 and June 30, 2019:</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:32.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="17" style="width:67.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><b>December 31, 2019</b></p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="5" style="width:23.16%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Less than 12 months</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:21.9%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">12 months or more</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:21.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.16%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.56%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:2.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:8.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:2.18%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:2.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:2.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0">U.S. government-sponsored</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri"> enterprises (GSEs)</span></p> </td><td style="width:2.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.18%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">998</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:7.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">998</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0">Obligations of state and political</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri"> subdivisions</span></p> </td><td style="width:2.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">2,293</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">9</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.18%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">2,192</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">9</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:7.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">4,485</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">18</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Other securities</span></p> </td><td style="width:2.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.18%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">949</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">227</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:7.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">949</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">227</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Mortgage-backed securities</span></p> </td><td style="width:2.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">33,472</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">141</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.18%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">10,263</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">65</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:7.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">43,735</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">206</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0">  Total investments and mortgage-</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    backed securities</span></p> </td><td style="width:2.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">35,765</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">150</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.18%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">14,402</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">302</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:7.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">50,167</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">452</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:32.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="17" style="width:67.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:23.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Less than 12 months</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:21.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">12 months or more</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:21.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:9.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.28%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:9.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:2.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:8.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:8.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:8.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:7.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0">U.S. government-sponsored</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri"> enterprises (GSEs)</span></p> </td><td style="width:2.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$6,969</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">15</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:7.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">6,969</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">15</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0">Obligations of state and political</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri"> subdivisions</span></p> </td><td style="width:2.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">8,531</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">68</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:7.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">8,531</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">68</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Other securities</span></p> </td><td style="width:2.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">985</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">198</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:7.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">985</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">198</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Mortgage-backed securities</span></p> </td><td style="width:2.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,175</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">34,148</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">316</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:7.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">35,323</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">317</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0">  Total investments and mortgage-</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    backed securities</span></p> </td><td style="width:2.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,175</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">50,633</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">597</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:7.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">51,808</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">598</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><i>Other securities.  </i>At December 31, 2019, there were two pooled trust preferred securities with an estimated fair value of $752,000 and unrealized losses of $222,000 in a continuous unrealized loss position for twelve months or more. These unrealized losses were primarily due to the long-term nature of the pooled trust preferred securities and a reduced demand for these securities, and concerns regarding the financial institutions that issued the underlying trust preferred securities. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The December 31, 2019, cash flow analysis for these two securities indicated it is probable the Company will receive all contracted principal and related interest projected. The cash flow analysis used in making this determination was based on anticipated default, recovery, and prepayment rates, and the resulting cash flows were discounted based on the yield spread anticipated at the time the securities were purchased. Other inputs include the actual collateral attributes, which include credit ratings and other performance indicators of the underlying financial institutions, including profitability, capital ratios, and asset quality. Assumptions for these two securities included prepayments averaging 1.6 percent, annually, annual defaults averaging 50 basis points, and a recovery rate averaging 10 percent of gross defaults, lagged two years. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">One of these two securities has continued to receive cash interest payments in full since purchase; the other security received principal-in-kind (PIK), in lieu of cash interest, for a period of time following the recession and financial crisis which began in 2008, but resumed cash interest payments during fiscal 2014. The Company’s cash flow analysis indicates that cash interest payments are expected to continue for both securities. Because the Company does not intend to sell these securities and it is not more-likely-than-not that the Company will be required to sell these securities prior to recovery of their amortized cost basis, which may be maturity, the Company does not consider these investments to be other-than-temporarily impaired at December 31, 2019.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri">The Company does not believe any other individual unrealized loss as of December 31, 2019, represents other-than-temporary impairment (OTTI). However, the Company could be required to recognize OTTI losses in future periods with respect to its available for sale investment securities portfolio. The amount and timing of any required OTTI will depend on the decline in the underlying cash flows of the securities. Should the impairment of any of these securities become other-than-temporary, the cost basis of the investment will be reduced and the resulting loss recognized in the period the OTTI is identified.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><i>Credit losses recognized on investments.</i>  During fiscal 2009, the Company adopted ASC 820, formerly FASB Staff Position 157-4, “Determining Fair Value When the Volume and Level of Activity for the Asset or Liability Have Significantly Decreased and Identifying Transactions That Are Not Orderly.”  There were no credit losses recognized in income and other losses or recorded in other comprehensive income for the three- and six- month periods ended December 31, 2019 and 2018.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:49.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:50.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><b>December 31, 2019</b></p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Gross</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Gross</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Estimated</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Amortized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Cost</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Gains</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Value</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:10.18%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:9.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">Investment and mortgage backed securities:</p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:10.18%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  U.S. government-sponsored enterprises (GSEs)</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,291</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(1)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,295</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  State and political subdivisions</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">41,445</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">811</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(18)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">42,238</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Other securities</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,172</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">78</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(227)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,023</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Mortgage-backed GSE residential</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">123,769</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,724</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(206)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">125,287</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">     Total investments and mortgage-backed securities</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">173,677</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">2,618</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(452)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">175,843</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:49.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:50.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Gross</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Gross</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Estimated</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Amortized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Cost</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Gains</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Value</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:9.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">Investment and mortgage backed securities:</p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:10.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  U.S. government-sponsored enterprises (GSEs)</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">7,284</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(15)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">7,270</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  State and political subdivisions</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">42,123</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">728</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(68)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">42,783</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Other securities</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,176</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">75</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(198)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,053</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Mortgage-backed GSE residential</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">109,297</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,449</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(317)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">110,429</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">     Total investments and mortgage-backed securities</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">163,880</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">2,253</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(598)</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">165,535</p> </td></tr> </table> 3291000 5000 -1000 3295000 41445000 811000 -18000 42238000 5172000 78000 -227000 5023000 123769000 1724000 -206000 125287000 173677000 2618000 -452000 175843000 7284000 1000 -15000 7270000 42123000 728000 -68000 42783000 5176000 75000 -198000 5053000 109297000 1449000 -317000 110429000 163880000 2253000 -598000 165535000 <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:415.85pt"><tr style="height:7.2pt"><td style="width:243.8pt;white-space:nowrap" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:172.05pt;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><span style="border-bottom:1px solid #000000"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:84.5pt;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Amortized</p> </td><td style="width:87.55pt;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Estimated</p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:84.5pt;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><span style="border-bottom:1px solid #000000">Cost</span></p> </td><td style="width:87.55pt;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><span style="border-bottom:1px solid #000000">Fair Value</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt" valign="bottom"><p style="font:9pt Calibri;margin:0">   Within one year</p> </td><td style="width:84.5pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> $                     4,801 </span></p> </td><td style="width:87.55pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> $                     4,805 </span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt" valign="bottom"><p style="font:9pt Calibri;margin:0">   After one year but less than five years</p> </td><td style="width:84.5pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                         8,495 </span></p> </td><td style="width:87.55pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                         8,569 </span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt" valign="bottom"><p style="font:9pt Calibri;margin:0">   After five years but less than ten years</p> </td><td style="width:84.5pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                      17,376 </span></p> </td><td style="width:87.55pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                      17,663 </span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt" valign="bottom"><p style="font:9pt Calibri;margin:0">   After ten years</p> </td><td style="width:84.5pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                      19,236 </span></p> </td><td style="width:87.55pt;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                      19,519 </span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt" valign="bottom"><p style="font:9pt Calibri;margin:0">      Total investment securities</p> </td><td style="width:84.5pt;white-space:nowrap;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                      49,908 </span></p> </td><td style="width:87.55pt;white-space:nowrap;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                      50,556 </span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt" valign="bottom"><p style="font:9pt Calibri;margin:0">   Mortgage-backed securities</p> </td><td style="width:84.5pt;white-space:nowrap;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                    123,769 </span></p> </td><td style="width:87.55pt;white-space:nowrap;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">                    125,287 </span></p> </td></tr> <tr style="height:7.2pt"><td style="width:243.8pt" valign="bottom"><p style="font:9pt Calibri;margin:0">     Total investments and mortgage-backed securities</p> </td><td style="width:84.5pt;white-space:nowrap;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> $                 173,677 </span></p> </td><td style="width:87.55pt;white-space:nowrap;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> $                 175,843 </span></p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 4801000 4805000 8495000 8569000 17376000 17663000 19236000 19519000 49908000 50556000 123769000 125287000 173677000 175843000 <p style="font:10pt Calibri;margin:0">The carrying value of investment and mortgage-backed securities pledged as collateral to secure public deposits and securities sold under agreements to repurchase amounted to $123.8 million at December 31, 2019 and $143.7 million at June 30, 2019.  The securities pledged consist of marketable securities, including $1.6 million and $5.6 million of U.S. Government and Federal Agency Obligations, $36.5 million and $47.3 million of Mortgage-Backed Securities, $51.8 million and $55.7 million of Collateralized Mortgage Obligations, $33.8 million and $34.9 million of State and Political Subdivisions Obligations, and $200,000 and $300,000 of Other Securities at December 31 and June 30, 2019, respectively.</p> 123800000 143700000 1600000 5600000 36500000 47300000 51800000 55700000 33800000 34900000 200000 300000 <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:32.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="17" style="width:67.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><b>December 31, 2019</b></p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="5" style="width:23.16%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Less than 12 months</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:21.9%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">12 months or more</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:21.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.16%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:9.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.56%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:2.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:8.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.6%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:2.18%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:2.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:2.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:7.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0">U.S. government-sponsored</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri"> enterprises (GSEs)</span></p> </td><td style="width:2.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.18%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">998</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:7.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">998</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0">Obligations of state and political</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri"> subdivisions</span></p> </td><td style="width:2.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">2,293</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">9</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.18%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">2,192</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">9</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:7.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">4,485</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">18</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Other securities</span></p> </td><td style="width:2.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.18%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">949</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">227</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:7.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">949</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">227</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Mortgage-backed securities</span></p> </td><td style="width:2.32%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">33,472</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">141</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.18%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">10,263</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.3%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">65</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.06%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:7.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">43,735</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">206</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0">  Total investments and mortgage-</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    backed securities</span></p> </td><td style="width:2.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">35,765</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">150</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.18%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">14,402</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.3%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">302</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:7.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">50,167</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">452</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:32.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="17" style="width:67.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:23.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Less than 12 months</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:21.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">12 months or more</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:21.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Total</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.26%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:9.62%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Unrealized</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.28%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:11.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:9.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:10.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Losses</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:2.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:8.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:8.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:8.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:7.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;text-align:center;display:none"> </p> </td><td style="width:8.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0">U.S. government-sponsored</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri"> enterprises (GSEs)</span></p> </td><td style="width:2.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$6,969</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">15</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:7.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">6,969</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">15</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0">Obligations of state and political</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri"> subdivisions</span></p> </td><td style="width:2.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">8,531</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">68</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:7.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">8,531</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">68</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Other securities</span></p> </td><td style="width:2.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">985</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">198</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:7.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">985</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">198</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Mortgage-backed securities</span></p> </td><td style="width:2.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,175</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">34,148</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">316</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:7.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">35,323</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:8.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">317</p> </td></tr> <tr style="height:7.2pt"><td style="width:32.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0">  Total investments and mortgage-</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    backed securities</span></p> </td><td style="width:2.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,175</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.88%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">50,633</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">597</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:7.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">51,808</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:8.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">598</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 0 0 998000 1000 998000 1000 2293000 9000 2192000 9000 4485000 18000 0 0 949000 227000 949000 227000 33472000 141000 10263000 65000 43735000 206000 35765000 150000 14402000 302000 50167000 452000 0 0 6969000 15000 6969000 15000 0 0 8531000 68000 8531000 68000 0 0 985000 198000 985000 198000 1175000 1000 34148000 316000 35323000 317000 1175000 1000 50633000 597000 51808000 598000 <p style="font:10pt Calibri;margin:0"><i>Other securities.  </i>At December 31, 2019, there were two pooled trust preferred securities with an estimated fair value of $752,000 and unrealized losses of $222,000 in a continuous unrealized loss position for twelve months or more. These unrealized losses were primarily due to the long-term nature of the pooled trust preferred securities and a reduced demand for these securities, and concerns regarding the financial institutions that issued the underlying trust preferred securities. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The December 31, 2019, cash flow analysis for these two securities indicated it is probable the Company will receive all contracted principal and related interest projected. The cash flow analysis used in making this determination was based on anticipated default, recovery, and prepayment rates, and the resulting cash flows were discounted based on the yield spread anticipated at the time the securities were purchased. Other inputs include the actual collateral attributes, which include credit ratings and other performance indicators of the underlying financial institutions, including profitability, capital ratios, and asset quality. Assumptions for these two securities included prepayments averaging 1.6 percent, annually, annual defaults averaging 50 basis points, and a recovery rate averaging 10 percent of gross defaults, lagged two years. </p> <p style="font:10pt Calibri;margin:0"> </p> <span style="font:10pt Calibri">The Company does not believe any other individual unrealized loss as of December 31, 2019, represents other-than-temporary impairment (OTTI). However, the Company could be required to recognize OTTI losses in future periods with respect to its available for sale investment securities portfolio. The amount and timing of any required OTTI will depend on the decline in the underlying cash flows of the securities. Should the impairment of any of these securities become other-than-temporary, the cost basis of the investment will be reduced and the resulting loss recognized in the period the OTTI is identified.</span> 2 752000 222000 <p style="font:10pt Calibri;margin:0"><i>Credit losses recognized on investments.</i>  During fiscal 2009, the Company adopted ASC 820, formerly FASB Staff Position 157-4, “Determining Fair Value When the Volume and Level of Activity for the Asset or Liability Have Significantly Decreased and Identifying Transactions That Are Not Orderly.”  There were no credit losses recognized in income and other losses or recorded in other comprehensive income for the three- and six- month periods ended December 31, 2019 and 2018.</p> <p style="font:10pt Calibri;margin:0">Note 4:  <span style="border-bottom:1px solid #000000">Loans and Allowance for Loan Losses</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Classes of loans are summarized as follows:</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:60%"><tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:31.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000"><b>December 31, 2019</b></span></p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:22.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">Real Estate Loans:</p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:22.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Residential</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">539,416</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">491,992</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Construction</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">169,195</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">123,287</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Commercial</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">850,476</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">840,777</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Consumer loans</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">101,621</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">97,534</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial loans</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">355,275</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">355,874</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">   </span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">2,015,983</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,909,464</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Loans in process</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">(72,381)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(43,153)</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Deferred loan fees, net</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">(3)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(3)</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Allowance for loan losses</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">(20,814)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(19,903)</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Total loans</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">1,922,785</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,846,405</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The Company’s lending activities consist of origination of loans secured by mortgages on one- to four-family residences and commercial and agricultural real estate, construction loans on residential and commercial properties, commercial and agricultural business loans and consumer loans. The Company has also occasionally purchased loan participation interests originated by other lenders and secured by properties generally located in the states of Missouri and Arkansas.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin-top:0pt;margin-bottom:1pt"><i>Residential Mortgage Lending. </i>The Company actively originates loans for the acquisition or refinance of one- to four-family residences.  This category includes both fixed-rate and adjustable-rate mortgage (“ARM”) loans amortizing over periods of up to 30 years, and the properties securing such loans may be owner-occupied or non-owner-occupied.  Single-family residential loans do not generally exceed 90% of the lower of the appraised value or purchase price of the secured property.  Substantially all of the one- to four-family residential mortgage originations in the Company’s portfolio are located within the Company’s primary lending area.</p> <p style="font:10pt Calibri;margin-top:0pt;margin-bottom:1pt"> </p> <p style="font:10pt Courier;margin-top:0pt;margin-bottom:1pt"><span style="font:10pt Calibri">The Company also originates loans secured by multi-family residential properties that are often located outside the Company’s primary lending area but made to borrowers who operate within the Company’s primary market area.  The majority of the multi-family residential loans that are originated by the Bank are amortized over periods generally up to 25 years, with balloon maturities typically up to ten years. Both fixed and adjustable interest rates are offered and it is typical for the Company to include an interest rate “floor” and “ceiling” in the loan agreement. Generally, multi-family residential loans do not exceed 85% of the lower of the appraised value or purchase price of the secured property.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin-top:0pt;margin-bottom:1pt"><i>Commercial Real Estate Lending. </i>The Company actively originates loans secured by commercial real estate including land (improved, unimproved, and farmland), strip shopping centers, retail establishments and other businesses. These properties are typically owned and operated by borrowers headquartered within the Company’s primary lending area, however, the property may be located outside our primary lending area. </p> <p style="font:10pt Calibri;margin-top:0pt;margin-bottom:1pt;text-indent:12pt"> </p> <p style="font:10pt Courier;margin-top:0pt;margin-bottom:1pt"><span style="font:10pt Calibri">Most commercial real estate loans originated by the Company generally are based on amortization schedules of up to 25 years with monthly principal and interest payments. Generally, the interest rate received on these loans is fixed for a maturity for up to seven years, with a balloon payment due at maturity. Alternatively, for some loans, the interest rate adjusts at least annually after an initial period up to seven years. The Company typically includes an interest rate “floor” in the loan agreement. Generally, improved commercial real estate loan amounts do not exceed 80% of the lower of the appraised value or the purchase price of the secured property. Agricultural real estate terms offered differ slightly, with amortization schedules of up to 25 years with an 80% loan-to-value ratio, or 30 years with a 75% loan-to-value ratio.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin-top:0pt;margin-bottom:1pt"><i>Construction Lending. </i>The Company originates real estate loans secured by property or land that is under construction or development. Construction loans originated by the Company are generally secured by mortgage loans for the construction of owner-occupied residential real estate or to finance speculative construction secured by residential real estate, land development, or owner-operated or non-owner-occupied commercial real estate. During construction, these loans typically require monthly interest-only payments and have maturities ranging from six to twelve months. Once construction is completed, permanent construction loans may be converted to monthly payments using amortization schedules of up to 30 years on residential and generally up to 25 years on commercial real estate.</p> <p style="font:10pt Calibri;margin:0;text-indent:36pt"> </p> <p style="font:10pt Calibri;margin:0">While the Company typically utilizes maturity periods ranging from 6 to 12 months to closely monitor the inherent risks associated with construction loans, weather conditions, change orders, availability of materials and/or labor, and other factors may contribute to the lengthening of a project, thus necessitating the need to renew the construction loan at the balloon maturity.  Such extensions are typically executed in incremental three month periods to facilitate project completion.  The Company’s average term of construction loans is approximately eight months.  During construction, loans typically require monthly interest only payments which may allow the Company an opportunity to monitor for early signs of financial difficulty should the borrower fail to make a required monthly payment.  Additionally, during the construction phase, the Company typically performs interim inspections which further allow the Company opportunity to assess risk.  At December 31, 2019, construction loans outstanding included 64 loans, totaling $30.0 million, for which a modification had been agreed to.  At June 30, 2019, construction loans outstanding included 59 loans, totaling $27.2 million, for which a modification had been agreed to. All modifications were solely for the purpose of extending the maturity date due to conditions described above.  None of these modifications were executed due to financial difficulty on the part of the borrower and, therefore, were not accounted for as TDRs.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><i>Consumer Lending</i>. The Company offers a variety of secured consumer loans, including home equity, direct and indirect automobile loans, second mortgages, mobile home loans and loans secured by deposits. The Company originates substantially all of its consumer loans in its primary lending area. Consumer loans are typically originated with fixed rates for terms of up to five years, with the exception of home equity lines of credit, which are typically originated with adjustable rates, tied to the prime rate of interest, and for a period of ten years.</p> <p style="font:10pt Calibri;margin:0;text-indent:36pt"> </p> <p style="font:10pt Calibri;margin:0">Home equity lines of credit (HELOCs) are secured with a deed of trust and are issued up to 100% of the appraised or assessed value of the property securing the line of credit, less the outstanding balance on the first mortgage. Interest rates on the HELOCs are generally adjustable and based upon the loan-to-value ratio of the property, with better rates given to borrowers with more equity. </p> <p style="font:10pt Calibri;margin:0;text-indent:36pt"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri">Automobile loans originated by the Company include both direct loans and a smaller amount of loans originated by auto dealers. The Company generally pays a negotiated fee back to the dealer for indirect loans. Typically, automobile loans are made for terms of up to 60 months for new and used vehicles. Loans secured by automobiles have fixed rates and are generally made in amounts up to 100% of the purchase price of the vehicle.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri"><i>Commercial Business Lending</i>. The Company’s commercial business lending activities encompass loans with a variety of purposes and security, including loans to finance accounts receivable, inventory, equipment and operating lines of credit, including agricultural production and equipment loans. The Company offers both fixed and adjustable rate commercial business loans. Generally, commercial loans secured by fixed assets are amortized over periods up to five years, while commercial operating lines of credit or agricultural production lines are generally for a one year period. </span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The following tables present the balance in the allowance for loan losses and the recorded investment in loans (excluding loans in process and deferred loan fees) based on portfolio segment and impairment methods as of December 31 and June 30, 2019, and activity in the allowance for loan losses for the three- and six- month periods ended December 31, 2019 and 2018:</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:12pt Courier;margin:0;display:none"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="17" style="width:71.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">At period end and for the six months ended <span style="border-bottom:1px solid #000000"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Residential</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Construction </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Commercial</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Consumer</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Commercial</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Total</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Allowance for loan losses:</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Balance, beginning of period</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,706</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,365</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,399</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,046</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,387</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,903</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Provision charged to expense</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">160</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">292</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">413</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">92</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">327</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,284</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Losses charged off</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(172)</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(97)</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(147)</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(416)</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Recoveries</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">18</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">15</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">43</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">    Balance, end of period</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,712</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,657</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,827</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,050</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,568</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">20,814</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">    Ending Balance: individually</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">      evaluated for impairment</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">    Ending Balance: collectively</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">      evaluated for impairment</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,712</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,657</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,827</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,050</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,568</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">20,814</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">    Ending Balance: loans acquired</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">      with deteriorated credit quality</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Loans:</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: individually</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    evaluated for impairment</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: collectively</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    evaluated for impairment</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">538,121</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">95,518</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">835,045</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">101,621</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">349,186</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,919,491</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: loans acquired</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    with deteriorated credit quality</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,295</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,296</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">15,431</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6,089</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">24,111</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="17" style="width:73.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the three months ended <span style="border-bottom:1px solid #000000"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Residential</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Construction </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Commercial</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Consumer</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Commercial</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Total</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Allowance for loan losses:</p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Balance, beginning of period</span></p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,572</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,539</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,789</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,074</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,736</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">20,710</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Provision charged to expense</span></p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">294</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">118</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">37</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(4)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(57)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">388</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Losses charged off</span></p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(172)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(26)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(112)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(310)</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Recoveries</span></p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">18</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">26</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Balance, end of period</span></p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,712</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,657</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,827</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,050</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,568</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">20,814</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <p style="font:10pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:28.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="17" style="width:71.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">At period end and for the six months ended <span style="border-bottom:1px solid #000000">December 31, 2018</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Residential</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Construction </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Commercial</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Consumer</span></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Commercial</span></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Total</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Allowance for loan losses:</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Balance, beginning of period</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,226</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,097</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,793</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">902</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,196</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">18,214</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Provision charged to expense</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">415</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">94</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">319</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">80</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">87</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">995</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Losses charged off</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(9)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(120)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(20)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(47)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(196)</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Recoveries</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">10</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Balance, end of period</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,633</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,191</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,995</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">967</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,237</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,023</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: individually</p> <p style="font:9pt Calibri;margin:0;color:#000000">    evaluated for impairment</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: collectively</p> <p style="font:9pt Calibri;margin:0;color:#000000">    evaluated for impairment</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,633</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,191</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,995</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">967</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,237</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,023</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: loans acquired</p> <p style="font:9pt Calibri;margin:0;color:#000000">    with deteriorated credit quality</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="17" style="width:73.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the three months ended <span style="border-bottom:1px solid #000000">December 31, 2018</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Residential</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Construction </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Commercial</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Consumer</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Commercial</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Total</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Allowance for loan losses:</p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Balance, beginning of period</p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,349</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,293</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,733</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">981</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,434</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">18,790</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Provision charged to expense</p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">293</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(102)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">284</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(11)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(150)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">314</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Losses charged off</p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(9)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(25)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(3)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(47)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(84)</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Recoveries</p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Balance, end of period</p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,633</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,191</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,995</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">967</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,237</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,023</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:27.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="17" style="width:72.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">At <span style="border-bottom:1px solid #000000">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Residential</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Construction </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Commercial</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Consumer</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Commercial</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Total</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Allowance for loan losses:</p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Balance, end of period</span></p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,706</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,365</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,399</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,046</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,387</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,903</p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: individually</p> <p style="font:9pt Calibri;margin:0;color:#000000">    evaluated for impairment</p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: collectively</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    evaluated for impairment</span></p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,706</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,365</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,399</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,046</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,387</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,903</p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: loans acquired</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    with deteriorated credit quality</span></p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">      </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Loans:</p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: individually</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    evaluated for impairment</span></p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: collectively</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    evaluated for impairment</span></p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">490,307</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">78,826</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">821,415</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">97,534</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">349,681</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,837,763</p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: loans acquired</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    with deteriorated credit quality</span></p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,685</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,308</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,362</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6,193</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">28,548</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Management’s opinion as to the ultimate collectability of loans is subject to estimates regarding future cash flows from operations and the value of property, real and personal, pledged as collateral. These estimates are affected by changing economic conditions and the economic prospects of borrowers.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The allowance for loan losses is maintained at a level that, in management’s judgment, is adequate to cover probable credit losses inherent in the loan portfolio at the balance sheet date. The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when an amount is determined to be uncollectible, based on management’s analysis of expected cash flow (for non-collateral-dependent loans) or collateral value (for collateral-dependent loans). Subsequent recoveries, if any, are credited to the allowance.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Under the Company’s allowance methodology, loans are first segmented into 1) those comprising large groups of homogeneous loans, which are collectively evaluated for impairment, and 2) all other loans which are individually evaluated.  Those loans in the second category are further segmented utilizing a defined grading system which involves categorizing loans by severity of risk based on conditions that may affect the ability of the borrowers to repay their debt, such as current financial information, collateral valuations, historical payment experience, credit documentation, public information, and current trends.  The loans subject to credit classification represent the portion of the portfolio subject to the greatest credit risk and where adjustments to the allowance for losses on loans as a result of provisions and charge offs are most likely to have a significant impact on operations.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">A periodic review of selected credits (based on loan size and type) is conducted to identify loans with heightened risk or probable losses and to assign risk grades.  The primary responsibility for this review rests with loan administration personnel.  This review is supplemented with periodic examinations of both selected credits and the credit review process by the Company’s internal audit function and applicable regulatory agencies.  The information from these reviews assists management in the timely identification of problems and potential problems and provides a basis for deciding whether the credit represents a probable loss or risk that should be recognized.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The Company considers, as the primary quantitative factor in its allowance methodology, average net charge offs over the most recent twelve-month period.  The Company also reviews average net charge offs over the most recent five-year period.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">A loan is considered impaired when, based on current information and events, it is probable that the scheduled payments of principal or interest will not be able to be collected when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and agricultural loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Groups of loans with similar risk characteristics are collectively evaluated for impairment based on the group’s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, individual consumer and residential loans are not separately identified for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The general component covers non-classified loans and is based on historical charge-off experience and expected loss given the internal risk rating process. The loan portfolio is stratified into homogeneous groups of loans that possess similar loss characteristics and an appropriate loss ratio adjusted for qualitative factors is applied to the homogeneous pools of loans to estimate the incurred losses in the loan portfolio. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Included in the Company’s loan portfolio are certain loans accounted for in accordance with ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality. These loans were written down at acquisition to an amount estimated to be collectible. As a result, certain ratios regarding the Company’s loan portfolio and credit quality cannot be used to compare the Company to peer companies or to compare the Company’s current credit quality to prior periods. The ratios particularly affected by accounting under ASC 310-30 include the allowance for loan losses as a percentage of loans, nonaccrual loans, and nonperforming assets, and nonaccrual loans and nonperforming loans as a percentage of total loans.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The following tables present the credit risk profile of the Company’s loan portfolio (excluding loans in process and deferred loan fees) based on rating category and payment activity as of December 31 and June 30, 2019. These tables include purchased credit impaired loans, which are reported according to risk categorization after acquisition based on the Company’s standards for such classification:</p> <p style="font:12pt Courier;margin:0;display:none"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="14" style="width:77.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Residential</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Construction </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Commercial</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Consumer</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Commercial</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Pass</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">532,574</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">96,814</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">813,762</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">101,258</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">342,224</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Watch</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,009</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">20,812</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">166</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6,255</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Special Mention</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">103</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,436</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">26</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Substandard</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,730</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">12,466</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">171</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6,796</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Doubtful</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Total</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">539,416</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">96,814</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">850,476</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">101,621</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">355,275</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="14" style="width:77.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Residential</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Construction </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Commercial</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Consumer</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Commercial</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Pass</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">482,869</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">80,134</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">802,479</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">97,012</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">341,069</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Watch</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,236</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">21,693</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">170</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">7,802</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Special Mention</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">103</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,463</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">26</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Substandard</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">7,784</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">13,142</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">291</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">7,003</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Doubtful</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">35</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Total</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">491,992</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">80,134</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">840,777</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">97,534</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">355,874</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The above amounts include purchased credit impaired loans. At December 31, 2019, purchased credited impaired loans comprised $6.0 million of credits rated “Pass”; $10.6 million of credits rated “Watch”; none rated “Special Mention”; $7.5 million of credits rated “Substandard”; and none rated “Doubtful”. At June 30, 2019,  purchased credit impaired loans accounted for $6.9 million of credits rated “Pass”; $10.4 million of credits rated “Watch”; none rated “Special Mention”; $11.2 million of credits rated “Substandard”; and none rated “Doubtful”.</p> <p style="font:10pt Courier;margin:0;display:none"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><i>Credit Quality Indicators</i>.  The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends among other factors.  The Company analyzes loans individually by classifying the loans as to credit risk.  This analysis is performed on all loans at origination, and is updated on a quarterly basis for loans risk rated Special Mention, Substandard, or Doubtful.  In addition, lending relationships of $2 million or more, exclusive of any consumer or owner-occupied residential loan, are subject to an annual credit analysis which is prepared by the loan administration department and presented to a loan committee with appropriate lending authority. A sample of lending relationships in excess of $1 million (exclusive of single-family residential real estate loans) are subject to an independent loan review annually, in order to verify risk ratings.  The Company uses the following definitions for risk ratings:</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0;margin-left:36pt"><i>Watch</i> – Loans classified as watch exhibit weaknesses that require more than usual monitoring. Issues may include deteriorating financial condition, payments made after due date but within 30 days, adverse industry conditions or management problems.</p> <p style="font:6pt Calibri;margin:0;margin-left:36pt"> </p> <p style="font:10pt Calibri;margin:0;margin-left:36pt"><i>Special Mention</i> – Loans classified as special mention exhibit signs of further deterioration but still generally make payments within 30 days. This is a transitional rating and loans should typically not be rated Special Mention for more than 12 months</p> <p style="font:6pt Calibri;margin:0;margin-left:36pt"> </p> <p style="font:10pt Calibri;margin:0;margin-left:36pt"><i>Substandard</i> – Loans classified as substandard possess weaknesses that jeopardize the ultimate collection of the principal and interest outstanding. These loans exhibit continued financial losses, ongoing delinquency, overall poor financial condition, and insufficient collateral. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.</p> <p style="font:6pt Calibri;margin:0;margin-left:36pt"> </p> <p style="font:10pt Calibri;margin:0;margin-left:36pt"><i>Doubtful</i> – Loans classified as doubtful have all the weaknesses of substandard loans, and have deteriorated to the level that there is a high probability of substantial loss.</p> <p style="font:6pt Calibri;margin:0;margin-left:36pt"> </p> <p style="font:10pt Calibri;margin:0;margin-left:36pt">Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be <i>Pass</i> rated loans. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The following tables present the Company’s loan portfolio aging analysis (excluding loans in process and deferred loan fees) as of December 31 and June 30, 2019.  These tables include purchased credit impaired loans, which are reported according to aging analysis after acquisition based on the Company’s standards for such classification: </p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:17.24%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="20" style="width:82.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Greater Than</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Greater Than 90</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">30-59 Days</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">60-89 Days</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">90 Days</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Total</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Total Loans</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Days Past Due</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Current</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Receivable</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">and Accruing</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">Real Estate Loans:</p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Residential</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,457</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,246</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,442</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,145</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">535,271</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">539,416</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Construction</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">96,814</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">96,814</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Commercial</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">576</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">296</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,020</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,892</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">846,584</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">850,476</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Consumer loans</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">475</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">136</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">173</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">784</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">100,837</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">101,621</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial loans</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">277</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">230</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">225</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">732</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">354,543</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">355,275</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Total loans</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,785</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,908</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,860</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,553</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,934,049</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,943,602</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100.14%"><tr style="height:7.2pt"><td style="width:17.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="20" style="width:82.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Greater Than</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Greater Than 90</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">30-59 Days</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">60-89 Days</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">90 Days</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Total</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Total Loans</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Days Past Due</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Current</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Receivable</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">and Accruing</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">Real Estate Loans:</p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Residential</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">227</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,054</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,714</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,995</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">488,997</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">491,992</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Construction</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">80,134</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">80,134</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Commercial</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">296</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,617</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,914</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">834,863</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">840,777</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Consumer loans</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">128</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">46</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">176</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">350</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">97,184</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">97,534</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial loans</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">424</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">25</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,902</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,351</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">353,523</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">355,874</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Total loans</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,075</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,126</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,409</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">11,610</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,854,701</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,866,311</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">At December 31, 2019 there were no purchased credit impaired loans that were greater than 90 days past due.  At June 30, 2019 there was one purchased credit impaired loan with net fair value of $3.1 million that was greater than 90 days past due.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">A loan is considered impaired, in accordance with the impairment accounting guidance (ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming loans, as well as performing loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The tables below present impaired loans (excluding loans in process and deferred loan fees) as of December 31 and June 30, 2019. These tables include purchased credit impaired loans. Purchased credit impaired loans are those for which it was deemed probable, at acquisition, that the Company would be unable to collect all contractually required payments receivable. In an instance where, subsequent to the acquisition, the Company determines it is probable, for a specific loan, that cash flows received will exceed the amount previously expected, the Company will recalculate the amount of accretable yield in order to recognize the improved cash flow expectation as additional interest income over the remaining life of the loan. These loans, however, will continue to be reported as impaired loans. In an instance where, subsequent to the acquisition, the Company determines it is probable, for a specific loan, that cash flows received will be less than the amount previously expected, the Company will allocate a specific allowance under the terms of ASC 310-10-35. </p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="8" style="width:50.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Recorded</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unpaid Principal</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Specific</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Balance</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Balance</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Allowance</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Loans without a specific valuation allowance:</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Residential real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">4,086</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">4,322</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Construction real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,295</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,340</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">22,008</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">26,310</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Consumer loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">6,813</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">8,073</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Loans with a specific valuation allowance:</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Residential real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Construction real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Consumer loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Total:</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Residential real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">4,086</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">4,322</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Construction real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,295</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,340</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">22,008</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">26,310</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Consumer loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">6,813</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">8,073</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="8" style="width:50.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Recorded</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unpaid Principal</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Specific</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Balance</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Balance</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Allowance</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Loans without a specific valuation allowance:</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Residential real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">5,104</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">5,341</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Construction real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,330</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,419</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">26,410</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">31,717</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Consumer loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">8</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">8</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">6,999</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">9,187</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">Loans with a specific valuation allowance:</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Residential real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Construction real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Commercial real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Consumer loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Commercial loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Total:</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Residential real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">5,104</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">5,341</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Construction real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,330</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,419</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Commercial real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">26,410</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">31,717</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Consumer loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">8</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">8</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Commercial loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">6,999</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">9,187</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The above amounts include purchased credit impaired loans. At December 31, 2019, purchased credit impaired loans comprised $24.1 million of impaired loans without a specific valuation allowance.  At June 30, 2019, purchased credit impaired loans comprised $28.5 million of impaired loans without a specific valuation allowance. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The following tables present information regarding interest income recognized on impaired loans:</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:60%"><tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="5" style="width:59.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the three-month period ended</p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="5" style="width:59.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><b>December 31, 2019</b></p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Average</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Investment in</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Interest Income</p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Impaired Loans</span></p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Recognized</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Residential Real Estate </span></p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,482</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">22</p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Construction Real Estate </span></p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,300</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">36</p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Commercial Real Estate </span></p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">15,756</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">340</p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Consumer Loans </span></p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Commercial Loans </span></p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,760</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">121</p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">    Total Loans </span></p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">24,298</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">519</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:60%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the three-month period ended</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">December 31, 2018</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Average</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Investment in</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Interest Income</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Impaired Loans</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Recognized</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Residential Real Estate </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,844</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">28</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Construction Real Estate </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,295</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">41</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Commercial Real Estate </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">13,186</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">429</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Consumer Loans </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Commercial Loans </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,356</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">102</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">    Total Loans </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,681</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">600</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:60%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the six-month period ended</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><b>December 31, 2019</b></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Average</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Investment in</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Interest Income</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">Impaired Loans</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">Recognized</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Residential Real Estate </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,549</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">45</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Construction Real Estate </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,302</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">84</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Commercial Real Estate </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">16,958</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">675</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Consumer Loans </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Commercial Loans </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,904</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">214</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">    Total Loans </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">25,713</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,018</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:60%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the six-month period ended</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">December 31, 2018</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Average</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Investment in</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Interest Income</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">Impaired Loans</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">Recognized</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Residential Real Estate </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,300</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">61</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Construction Real Estate </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,295</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">142</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Commercial Real Estate </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">11,327</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">799</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Consumer Loans </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Commercial Loans </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,054</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">718</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">    Total Loans </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">17,976</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,720</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Interest income on impaired loans recognized on a cash basis in the three- and six- month periods ended December 31, 2019 and 2018, was immaterial.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri">For the three- and six- month periods ended December 31, 2019, the amount of interest income recorded for impaired loans that represented a change in the present value of cash flows attributable to the passage of time was approximately $79,000 and $163,000, as compared to $144,000 and $1.1 million, for the three- and six- month periods ended December 31, 2018.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The following table presents the Company’s nonaccrual loans at December 31 and June 30, 2019. Purchased credit impaired loans are placed on nonaccrual status in the event the Company cannot reasonably estimate cash flows expected to be collected.  The table excludes performing troubled debt restructurings.</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:60%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Residential real estate</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,397</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6,404</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Construction real estate</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial real estate</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,212</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">10,876</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Consumer loans</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">179</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">309</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial loans</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">631</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,424</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Total loans</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">10,419</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">21,013</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri">The above amounts include purchased credit impaired loans.  At December 31, 2019 there were no purchased credit impaired loans on nonaccrual.  At June 30, 2019, purchased credit impaired loans comprised $4.1 million of nonaccrual loans. </span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Included in certain loan categories in the impaired loans are troubled debt restructurings (TDRs), where economic concessions have been granted to borrowers who have experienced financial difficulties. These concessions typically result from our loss mitigation activities, and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance, or other actions. Certain TDRs are classified as nonperforming at the time of restructuring and typically are returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period of at least six months. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">When loans and leases are modified into a TDR, the Company evaluates any possible impairment similar to other impaired loans based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan or lease agreement, and uses the current fair value of the collateral, less selling costs, for collateral dependent loans. If the Company determines that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs, and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. In periods subsequent to modification, the Company evaluates all TDRs, including those that have payment defaults, for possible impairment and recognizes impairment through the allowance.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">During the three- and six- month periods ended December 31, 2019 and 2018, certain loans modified were classified as TDRs. They are shown, segregated by class, in the table below:</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:29.12%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="10" style="width:69.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center">For the three-month periods ended</p> </td></tr> <tr style="height:7.2pt"><td style="width:29.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="4" style="width:34.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"><b>December 31, 2019</b></p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:33.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center">December 31, 2018</p> </td></tr> <tr style="height:7.2pt"><td rowspan="2" style="width:29.12%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td rowspan="2" style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Number of</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Recorded</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Number of</p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Recorded</p> </td></tr> <tr style="height:7.2pt"><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">modifications</span></p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Investment</span></p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">modifications</span></p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Investment</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:29.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Residential real estate</span></p> </td><td style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">1</p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">707</p> </td></tr> <tr style="height:7.2pt"><td style="width:29.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Construction real estate</span></p> </td><td style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:29.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial real estate</span></p> </td><td style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">4</p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">962</p> </td></tr> <tr style="height:7.2pt"><td style="width:29.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Consumer loans</span></p> </td><td style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:29.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial loans</span></p> </td><td style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">1</p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">20</p> </td></tr> <tr style="height:7.2pt"><td style="width:29.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">    Total</span></p> </td><td style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">6</p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,689</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <p style="font:10pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:71.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center">For the six-month periods ended</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:35.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><b>December 31, 2019</b></p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:34.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center">December 31, 2018</p> </td></tr> <tr style="height:7.2pt"><td rowspan="2" style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td rowspan="2" style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Number of</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Recorded</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Number of</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Recorded</p> </td></tr> <tr style="height:7.2pt"><td style="width:16.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center">modifications</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center">Investment</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center">modifications</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center">Investment</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Calibri;margin:0">Residential real estate</p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">1</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">707</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Calibri;margin:0">Construction real estate</p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Calibri;margin:0">Commercial real estate</p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">7</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">2,264</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Calibri;margin:0">Consumer loans</p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Calibri;margin:0">Commercial loans</p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">2</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">89</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Calibri;margin:0">    Total</p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">10</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,060</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Performing loans classified as TDRs and outstanding at December 31 and June 30, 2019, segregated by class, are shown in the table below. Nonperforming TDRs are shown as nonaccrual loans.</p> <p style="font:12pt Courier;margin:0;display:none"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="4" style="width:34.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"><b>December 31, 2019</b></p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:34.06%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td rowspan="2" style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Number of</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Recorded</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Number of</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Recorded</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">modifications</span></p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Investment</span></p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">modifications</span></p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Investment</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Residential real estate</span></p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">9</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">967</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">10</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,130</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Construction real estate</span></p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial real estate</span></p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">16</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">7,884</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">20</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">6,529</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Consumer loans</span></p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial loans</span></p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">10</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,963</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">10</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,630</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">    Total</span></p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">35</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">14,814</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">40</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">13,289</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The Company may obtain physical possession of real estate collateralizing a residential mortgage loan or home equity loan via foreclosure or in-substance repossession. As of December 31 and June 30, 2019, the carrying value of foreclosed residential real estate properties as a result of obtaining physical possession was $823,000 and $752,000, respectively. In addition, as of December 31 and June 30, 2019, the Company had residential mortgage loans and home equity loans with a carrying value of $516,000 and $493,000, respectively, collateralized by residential real estate property for which formal foreclosure proceedings were in process.</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:60%"><tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:31.04%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000"><b>December 31, 2019</b></span></p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:22.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">Real Estate Loans:</p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:22.08%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Residential</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">539,416</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">491,992</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Construction</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">169,195</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">123,287</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Commercial</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">850,476</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">840,777</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Consumer loans</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">101,621</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">97,534</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial loans</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">355,275</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">355,874</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">   </span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">2,015,983</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,909,464</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Loans in process</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">(72,381)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(43,153)</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Deferred loan fees, net</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">(3)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(3)</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Allowance for loan losses</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">(20,814)</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(19,903)</p> </td></tr> <tr style="height:7.2pt"><td style="width:39.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Total loans</span></p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:31.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">1,922,785</p> </td><td style="width:1.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:22.08%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,846,405</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 539416000 491992000 169195000 123287000 850476000 840777000 101621000 97534000 355275000 355874000 2015983000 1909464000 -72381000 -43153000 -3000 -3000 -20814000 -19903000 1922785000 1846405000 <span style="font:10pt Calibri">The Company also originates loans secured by multi-family residential properties that are often located outside the Company’s primary lending area but made to borrowers who operate within the Company’s primary market area.  The majority of the multi-family residential loans that are originated by the Bank are amortized over periods generally up to 25 years, with balloon maturities typically up to ten years. Both fixed and adjustable interest rates are offered and it is typical for the Company to include an interest rate “floor” and “ceiling” in the loan agreement. Generally, multi-family residential loans do not exceed 85% of the lower of the appraised value or purchase price of the secured property.</span> <span style="font:10pt Calibri">Most commercial real estate loans originated by the Company generally are based on amortization schedules of up to 25 years with monthly principal and interest payments. Generally, the interest rate received on these loans is fixed for a maturity for up to seven years, with a balloon payment due at maturity. Alternatively, for some loans, the interest rate adjusts at least annually after an initial period up to seven years. The Company typically includes an interest rate “floor” in the loan agreement. Generally, improved commercial real estate loan amounts do not exceed 80% of the lower of the appraised value or the purchase price of the secured property. Agricultural real estate terms offered differ slightly, with amortization schedules of up to 25 years with an 80% loan-to-value ratio, or 30 years with a 75% loan-to-value ratio.</span> <p style="font:10pt Calibri;margin-top:0pt;margin-bottom:1pt"><i>Construction Lending. </i>The Company originates real estate loans secured by property or land that is under construction or development. Construction loans originated by the Company are generally secured by mortgage loans for the construction of owner-occupied residential real estate or to finance speculative construction secured by residential real estate, land development, or owner-operated or non-owner-occupied commercial real estate. During construction, these loans typically require monthly interest-only payments and have maturities ranging from six to twelve months. Once construction is completed, permanent construction loans may be converted to monthly payments using amortization schedules of up to 30 years on residential and generally up to 25 years on commercial real estate.</p> <p style="font:10pt Calibri;margin:0;text-indent:36pt"> </p> <p style="font:10pt Calibri;margin:0">While the Company typically utilizes maturity periods ranging from 6 to 12 months to closely monitor the inherent risks associated with construction loans, weather conditions, change orders, availability of materials and/or labor, and other factors may contribute to the lengthening of a project, thus necessitating the need to renew the construction loan at the balloon maturity.  Such extensions are typically executed in incremental three month periods to facilitate project completion.  The Company’s average term of construction loans is approximately eight months.  During construction, loans typically require monthly interest only payments which may allow the Company an opportunity to monitor for early signs of financial difficulty should the borrower fail to make a required monthly payment.  Additionally, during the construction phase, the Company typically performs interim inspections which further allow the Company opportunity to assess risk.  At December 31, 2019, construction loans outstanding included 64 loans, totaling $30.0 million, for which a modification had been agreed to.  At June 30, 2019, construction loans outstanding included 59 loans, totaling $27.2 million, for which a modification had been agreed to. All modifications were solely for the purpose of extending the maturity date due to conditions described above.  None of these modifications were executed due to financial difficulty on the part of the borrower and, therefore, were not accounted for as TDRs.</p> 64 30000000.0 59 27200000 <span style="font:10pt Calibri">Automobile loans originated by the Company include both direct loans and a smaller amount of loans originated by auto dealers. The Company generally pays a negotiated fee back to the dealer for indirect loans. Typically, automobile loans are made for terms of up to 60 months for new and used vehicles. Loans secured by automobiles have fixed rates and are generally made in amounts up to 100% of the purchase price of the vehicle.</span> <span style="font:10pt Calibri"><i>Commercial Business Lending</i>. The Company’s commercial business lending activities encompass loans with a variety of purposes and security, including loans to finance accounts receivable, inventory, equipment and operating lines of credit, including agricultural production and equipment loans. The Company offers both fixed and adjustable rate commercial business loans. Generally, commercial loans secured by fixed assets are amortized over periods up to five years, while commercial operating lines of credit or agricultural production lines are generally for a one year period. </span> <p style="font:12pt Courier;margin:0;display:none"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="17" style="width:71.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">At period end and for the six months ended <span style="border-bottom:1px solid #000000"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Residential</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Construction </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Commercial</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Consumer</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Commercial</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Total</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Allowance for loan losses:</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Balance, beginning of period</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,706</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,365</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,399</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,046</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,387</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,903</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Provision charged to expense</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">160</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">292</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">413</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">92</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">327</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,284</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Losses charged off</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(172)</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(97)</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(147)</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(416)</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Recoveries</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">18</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">15</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">43</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">    Balance, end of period</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,712</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,657</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,827</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,050</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,568</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">20,814</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">    Ending Balance: individually</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">      evaluated for impairment</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">    Ending Balance: collectively</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">      evaluated for impairment</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,712</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,657</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,827</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,050</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,568</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">20,814</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">    Ending Balance: loans acquired</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">      with deteriorated credit quality</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Loans:</p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: individually</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    evaluated for impairment</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: collectively</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    evaluated for impairment</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">538,121</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">95,518</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">835,045</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">101,621</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">349,186</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,919,491</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.42%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: loans acquired</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    with deteriorated credit quality</span></p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,295</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,296</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">15,431</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6,089</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">24,111</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="17" style="width:73.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the three months ended <span style="border-bottom:1px solid #000000"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Residential</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Construction </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Commercial</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Consumer</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Commercial</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Total</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Allowance for loan losses:</p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Balance, beginning of period</span></p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,572</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,539</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,789</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,074</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,736</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">20,710</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Provision charged to expense</span></p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">294</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">118</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">37</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(4)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(57)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">388</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Losses charged off</span></p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(172)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(26)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(112)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(310)</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Recoveries</span></p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">18</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">26</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Balance, end of period</span></p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,712</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,657</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,827</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,050</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,568</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">20,814</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <p style="font:10pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:28.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="17" style="width:71.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">At period end and for the six months ended <span style="border-bottom:1px solid #000000">December 31, 2018</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Residential</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Construction </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Commercial</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Consumer</span></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Commercial</span></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Total</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Allowance for loan losses:</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Balance, beginning of period</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,226</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,097</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,793</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">902</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,196</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">18,214</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Provision charged to expense</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">415</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">94</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">319</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">80</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">87</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">995</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Losses charged off</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(9)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(120)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(20)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(47)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(196)</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Recoveries</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">10</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Balance, end of period</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,633</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,191</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,995</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">967</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,237</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,023</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: individually</p> <p style="font:9pt Calibri;margin:0;color:#000000">    evaluated for impairment</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: collectively</p> <p style="font:9pt Calibri;margin:0;color:#000000">    evaluated for impairment</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,633</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,191</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,995</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">967</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,237</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,023</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: loans acquired</p> <p style="font:9pt Calibri;margin:0;color:#000000">    with deteriorated credit quality</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.34%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="17" style="width:73.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the three months ended <span style="border-bottom:1px solid #000000">December 31, 2018</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Residential</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Construction </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Commercial</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Consumer</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Commercial</span></p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Total</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Allowance for loan losses:</p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Balance, beginning of period</p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,349</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,293</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,733</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">981</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,434</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">18,790</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Provision charged to expense</p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">293</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(102)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">284</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(11)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(150)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">314</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Losses charged off</p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(9)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(25)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(3)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(47)</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(84)</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Recoveries</p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.56%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Balance, end of period</p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,633</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.6%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,191</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,995</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">967</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,237</p> </td><td style="width:0.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.74%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:6.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,023</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:27.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="17" style="width:72.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">At <span style="border-bottom:1px solid #000000">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Residential</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Construction </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Commercial</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Consumer</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Commercial</span></p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Total</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Allowance for loan losses:</p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Balance, end of period</span></p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,706</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,365</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,399</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,046</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,387</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,903</p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: individually</p> <p style="font:9pt Calibri;margin:0;color:#000000">    evaluated for impairment</p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: collectively</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    evaluated for impairment</span></p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,706</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,365</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,399</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,046</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,387</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,903</p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: loans acquired</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    with deteriorated credit quality</span></p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">      </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Loans:</p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: individually</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    evaluated for impairment</span></p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: collectively</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    evaluated for impairment</span></p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">490,307</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">78,826</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">821,415</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">97,534</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">349,681</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,837,763</p> </td></tr> <tr style="height:7.2pt"><td style="width:27.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Ending Balance: loans acquired</p> <p style="font:9pt Courier;margin:0"><span style="font:9pt Calibri">    with deteriorated credit quality</span></p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,685</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,308</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,362</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.88%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6,193</p> </td><td style="width:0.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">28,548</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 3706000 1365000 9399000 1046000 4387000 19903000 160000 292000 413000 92000 327000 1284000 -172000 0 0 -97000 -147000 -416000 18000 0 15000 9000 1000 43000 3712000 1657000 9827000 1050000 4568000 20814000 0 0 0 0 0 0 3712000 1657000 9827000 1050000 4568000 20814000 0 0 0 0 0 0 0 0 0 0 0 0 538121000 95518000 835045000 101621000 349186000 1919491000 1295000 1296000 15431000 0 6089000 24111000 3572000 1539000 9789000 1074000 4736000 20710000 294000 118000 37000 -4000 -57000 388000 -172000 0 0 -26000 -112000 -310000 18000 0 1000 6000 1000 26000 3712000 1657000 9827000 1050000 4568000 20814000 3226000 1097000 8793000 902000 4196000 18214000 415000 94000 319000 80000 87000 995000 -9000 0 -120000 -20000 -47000 -196000 1000 0 3000 5000 1000 10000 3633000 1191000 8995000 967000 4237000 19023000 0 0 0 0 0 0 3633000 1191000 8995000 967000 4237000 19023000 0 0 0 0 0 0 3349000 1293000 8733000 981000 4434000 18790000 293000 -102000 284000 -11000 -150000 314000 -9000 0 -25000 -3000 -47000 -84000 0 0 3000 0 0 3000 3633000 1191000 8995000 967000 4237000 19023000 3706000 1365000 9399000 1046000 4387000 19903000 0 0 0 0 0 0 3706000 1365000 9399000 1046000 4387000 19903000 0 0 0 0 0 0 0 0 0 0 0 0 490307000 78826000 821415000 97534000 349681000 1837763000 1685000 1308000 19362000 0 6193000 28548000 <p style="font:12pt Courier;margin:0;display:none"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="14" style="width:77.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Residential</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Construction </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Commercial</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Consumer</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Commercial</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Pass</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">532,574</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">96,814</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">813,762</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">101,258</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">342,224</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Watch</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,009</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">20,812</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">166</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6,255</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Special Mention</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">103</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,436</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">26</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Substandard</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,730</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">12,466</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">171</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6,796</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Doubtful</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Total</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">539,416</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">96,814</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">850,476</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">101,621</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">355,275</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="14" style="width:77.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Residential</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Construction </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Commercial</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Real Estate</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Consumer</span></p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Commercial</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Pass</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">482,869</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">80,134</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">802,479</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">97,012</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">341,069</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Watch</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,236</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">21,693</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">170</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">7,802</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Special Mention</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">103</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,463</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">26</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Substandard</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">7,784</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">13,142</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">291</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">7,003</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Doubtful</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">35</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Total</span></p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">491,992</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">80,134</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">840,777</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">97,534</p> </td><td style="width:0.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">355,874</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 532574000 96814000 813762000 101258000 342224000 1009000 0 20812000 166000 6255000 103000 0 3436000 26000 0 5730000 0 12466000 171000 6796000 0 0 0 0 0 539416000 96814000 850476000 101621000 355275000 482869000 80134000 802479000 97012000 341069000 1236000 0 21693000 170000 7802000 103000 0 3463000 26000 0 7784000 0 13142000 291000 7003000 0 0 0 35000 0 491992000 80134000 840777000 97534000 355874000 6000000.0 10600000 0 7500000 0 6900000 10400000 0 11200000 0 lending relationships of $2 million or more, exclusive of any consumer or owner-occupied residential loan, are subject to an annual credit analysis which is prepared by the loan administration department and presented to a loan committee with appropriate lending authority. A sample of lending relationships in excess of $1 million (exclusive of single-family residential real estate loans) are subject to an independent loan review annually, in order to verify risk ratings <p style="font:10pt Calibri;margin:0">The following tables present the Company’s loan portfolio aging analysis (excluding loans in process and deferred loan fees) as of December 31 and June 30, 2019.  These tables include purchased credit impaired loans, which are reported according to aging analysis after acquisition based on the Company’s standards for such classification: </p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:17.24%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="20" style="width:82.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Greater Than</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Greater Than 90</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">30-59 Days</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">60-89 Days</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">90 Days</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Total</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Total Loans</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Days Past Due</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Current</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Receivable</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">and Accruing</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">Real Estate Loans:</p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Residential</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,457</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,246</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,442</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,145</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">535,271</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">539,416</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Construction</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">96,814</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">96,814</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Commercial</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">576</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">296</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,020</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,892</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">846,584</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">850,476</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Consumer loans</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">475</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">136</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">173</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">784</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">100,837</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">101,621</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial loans</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">277</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">230</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">225</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">732</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">354,543</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">355,275</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.24%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Total loans</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,785</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.18%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,908</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,860</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:7.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,553</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,934,049</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,943,602</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:13.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100.14%"><tr style="height:7.2pt"><td style="width:17.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="20" style="width:82.66%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Greater Than</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Greater Than 90</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">30-59 Days</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">60-89 Days</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">90 Days</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Total</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Total Loans</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Days Past Due</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Past Due</span></p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Current</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">Receivable</span></p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">and Accruing</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">Real Estate Loans:</p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Residential</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">227</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,054</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,714</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,995</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">488,997</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">491,992</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Construction</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">80,134</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">80,134</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Commercial</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">296</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,617</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,914</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">834,863</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">840,777</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Consumer loans</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">128</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">46</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">176</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">350</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">97,184</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">97,534</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial loans</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">424</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">25</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,902</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,351</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">353,523</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">355,874</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:17.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Total loans</span></p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,075</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,126</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,409</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:7.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">11,610</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:8.32%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,854,701</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:9.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,866,311</p> </td><td style="width:0.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td colspan="2" style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 1457000 1246000 1442000 4145000 535271000 539416000 0 0 0 0 0 96814000 96814000 0 576000 296000 3020000 3892000 846584000 850476000 0 475000 136000 173000 784000 100837000 101621000 1000 277000 230000 225000 732000 354543000 355275000 0 2785000 1908000 4860000 9553000 1934049000 1943602000 1000 227000 1054000 1714000 2995000 488997000 491992000 0 0 0 0 0 80134000 80134000 0 296000 1000 5617000 5914000 834863000 840777000 0 128000 46000 176000 350000 97184000 97534000 0 424000 25000 1902000 2351000 353523000 355874000 0 1075000 1126000 9409000 11610000 1854701000 1866311000 0 1 3100000 <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="8" style="width:50.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Recorded</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unpaid Principal</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Specific</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Balance</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Balance</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Allowance</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Loans without a specific valuation allowance:</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Residential real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">4,086</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">4,322</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Construction real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,295</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,340</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">22,008</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">26,310</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Consumer loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">6,813</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">8,073</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Loans with a specific valuation allowance:</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Residential real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Construction real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Consumer loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Total:</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Residential real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">4,086</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">4,322</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Construction real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,295</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,340</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">22,008</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">26,310</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Consumer loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">6,813</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">8,073</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="8" style="width:50.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Recorded</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unpaid Principal</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Specific</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Balance</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Balance</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">Allowance</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Loans without a specific valuation allowance:</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Residential real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">5,104</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">5,341</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Construction real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,330</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,419</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">26,410</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">31,717</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Consumer loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">8</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">8</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Commercial loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">6,999</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">9,187</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">Loans with a specific valuation allowance:</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Residential real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Construction real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Commercial real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Consumer loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Commercial loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">-</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Total:</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0">  Residential real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">5,104</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">5,341</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Construction real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,330</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,419</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Commercial real estate</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">26,410</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">31,717</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Consumer loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">8</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">8</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:49.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">  Commercial loans</p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:11.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">6,999</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.58%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">9,187</span></p> </td><td style="width:0.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;text-align:right;display:none"> </p> </td><td style="width:2.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.04%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 4086000 4322000 0 1295000 1340000 0 22008000 26310000 0 0 0 0 6813000 8073000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4086000 4322000 0 1295000 1340000 0 22008000 26310000 0 0 0 0 6813000 8073000 0 5104000 5341000 0 1330000 1419000 0 26410000 31717000 0 8000 8000 0 6999000 9187000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5104000 5341000 0 1330000 1419000 0 26410000 31717000 0 8000 8000 0 6999000 9187000 0 24100000 28500000 <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:60%"><tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="5" style="width:59.32%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the three-month period ended</p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="5" style="width:59.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><b>December 31, 2019</b></p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Average</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Investment in</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Interest Income</p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Impaired Loans</span></p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Recognized</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Residential Real Estate </span></p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,482</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">22</p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Construction Real Estate </span></p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,300</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">36</p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Commercial Real Estate </span></p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">15,756</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">340</p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Consumer Loans </span></p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Commercial Loans </span></p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,760</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">121</p> </td></tr> <tr style="height:7.2pt"><td style="width:40.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">    Total Loans </span></p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:25.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">24,298</p> </td><td style="width:1.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:3.22%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:26.16%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">519</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:60%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the three-month period ended</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">December 31, 2018</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Average</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Investment in</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Interest Income</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Impaired Loans</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Recognized</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Residential Real Estate </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,844</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">28</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Construction Real Estate </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,295</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">41</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Commercial Real Estate </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">13,186</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">429</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Consumer Loans </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri"> Commercial Loans </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,356</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">102</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">    Total Loans </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,681</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">600</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:60%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the six-month period ended</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><b>December 31, 2019</b></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Average</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Investment in</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Interest Income</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">Impaired Loans</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">Recognized</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Residential Real Estate </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,549</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">45</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Construction Real Estate </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,302</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">84</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Commercial Real Estate </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">16,958</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">675</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Consumer Loans </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Commercial Loans </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,904</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">214</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">    Total Loans </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">25,713</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,018</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:60%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the six-month period ended</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">December 31, 2018</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Average</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Investment in</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Interest Income</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">Impaired Loans</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">Recognized</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Residential Real Estate </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,300</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">61</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Construction Real Estate </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,295</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">142</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Commercial Real Estate </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">11,327</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">799</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Consumer Loans </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> Commercial Loans </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,054</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">718</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">    Total Loans </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">17,976</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,720</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 1482000 22000 1300000 36000 15756000 340000 0 0 5760000 121000 24298000 519000 1844000 28000 1295000 41000 13186000 429000 0 0 3356000 102000 19681000 600000 1549000 45000 1302000 84000 16958000 675000 0 0 5904000 214000 25713000 1018000 2300000 61000 1295000 142000 11327000 799000 0 0 3054000 718000 17976000 1720000 79000 163000 144000 1100000 <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:60%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Residential real estate</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,397</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6,404</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Construction real estate</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial real estate</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,212</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">10,876</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Consumer loans</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">179</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">309</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial loans</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">631</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,424</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Total loans</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">10,419</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">21,013</p> </td></tr> </table> 4397000 6404000 0 0 5212000 10876000 179000 309000 631000 3424000 10419000 21013000 0 4100000 <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:29.12%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="10" style="width:69.92%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center">For the three-month periods ended</p> </td></tr> <tr style="height:7.2pt"><td style="width:29.12%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="4" style="width:34.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"><b>December 31, 2019</b></p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:33.62%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center">December 31, 2018</p> </td></tr> <tr style="height:7.2pt"><td rowspan="2" style="width:29.12%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td rowspan="2" style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Number of</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Recorded</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Number of</p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Recorded</p> </td></tr> <tr style="height:7.2pt"><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">modifications</span></p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Investment</span></p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">modifications</span></p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Investment</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:29.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Residential real estate</span></p> </td><td style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">1</p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">707</p> </td></tr> <tr style="height:7.2pt"><td style="width:29.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Construction real estate</span></p> </td><td style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:29.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial real estate</span></p> </td><td style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">4</p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">962</p> </td></tr> <tr style="height:7.2pt"><td style="width:29.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Consumer loans</span></p> </td><td style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:29.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial loans</span></p> </td><td style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">1</p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">20</p> </td></tr> <tr style="height:7.2pt"><td style="width:29.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">    Total</span></p> </td><td style="width:0.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.34%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.96%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.84%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">6</p> </td><td style="width:0.98%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.56%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,689</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <p style="font:10pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:71.24%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center">For the six-month periods ended</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="5" style="width:35.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><b>December 31, 2019</b></p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:34.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center">December 31, 2018</p> </td></tr> <tr style="height:7.2pt"><td rowspan="2" style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td rowspan="2" style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Number of</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.06%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Recorded</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Number of</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Recorded</p> </td></tr> <tr style="height:7.2pt"><td style="width:16.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center">modifications</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.06%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center">Investment</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center">modifications</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center">Investment</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Calibri;margin:0">Residential real estate</p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">1</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">707</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Calibri;margin:0">Construction real estate</p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Calibri;margin:0">Commercial real estate</p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">7</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">2,264</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Calibri;margin:0">Consumer loans</p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Calibri;margin:0">Commercial loans</p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">2</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">89</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Calibri;margin:0">    Total</p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">10</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,060</p> </td></tr> </table> <p style="font:12pt Courier;margin:0;display:none"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="4" style="width:34.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"><b>December 31, 2019</b></p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="4" style="width:34.06%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td rowspan="2" style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Number of</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Recorded</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Number of</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Recorded</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">modifications</span></p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Investment</span></p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">modifications</span></p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Investment</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Residential real estate</span></p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">9</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">967</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">10</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,130</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Construction real estate</span></p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial real estate</span></p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">16</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">7,884</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">20</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">6,529</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Consumer loans</span></p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">-</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial loans</span></p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">10</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,963</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">10</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,630</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">    Total</span></p> </td><td style="width:1.02%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">35</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14.06%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">14,814</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:16.66%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">40</p> </td><td style="width:1.02%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:14%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">13,289</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 823000 752000 516000 493000 <p style="font:10pt Calibri;margin:0">Note 5: <span style="border-bottom:1px solid #000000">Accounting for Certain Loans Acquired in a Transfer</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">During the fiscal years ended June 30, 2011, 2015, 2017, and 2019, the Company acquired certain loans which evidenced deterioration of credit quality since origination and for which it was probable, at acquisition, that all contractually required payments would not be collected. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Loans purchased with evidence of credit deterioration since origination and for which it is probable that all contractually required payments will not be collected are considered to be credit impaired. Evidence of credit quality deterioration as of the purchase date may include information such as past-due and nonaccrual status, borrower credit scores and recent loan to value percentages. Purchased credit-impaired loans are accounted for under the accounting guidance for loans and debt securities acquired with deteriorated credit quality (ASC 310-30) and initially measured at fair value, which includes estimated future credit losses expected to be incurred over the life of the loan. Accordingly, an allowance for credit losses related to these loans is not carried over and recorded at the acquisition date. Management estimated the cash flows expected to be collected at acquisition using the Bank’s internal risk models, which incorporate the estimate of current key assumptions, such as default rates, severity and prepayment speeds.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The carrying amount of those loans is included in the balance sheet amounts of loans receivable at December 31 and June 30, 2019. The amount of these loans is shown below:  </p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:80%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Residential real estate</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,532</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,921</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Construction real estate</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,340</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,397</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial real estate</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,733</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">24,669</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Consumer loans</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial loans</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">7,349</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,381</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Outstanding balance</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$29,954</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$36,368</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">     Carrying amount, net of fair value adjustment of </span><br/><span style="font:9pt Calibri">     $5,844 and $7,821 at December 31, 2019 and  </span><br/><span style="font:9pt Calibri">     June 30, 2019, respectively   </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$24,110</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$28,547</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Accretable yield, or income expected to be collected, is as follows:</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:80%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the three-month period ended</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000"><b> December 31, 2019 </b></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000"> December 31, 2018 </span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Balance at beginning of period</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">183</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">305</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Additions</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">102</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Accretion</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(79)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(144)</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Reclassification from nonaccretable difference</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">83</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">108</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Disposals</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Balance at end of period</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">187</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">371</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:80%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the six-month period ended</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000"><b> December 31, 2019 </b></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000"> December 31, 2018 </span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">Balance at beginning of period</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">220</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">589</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Additions</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">102</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Accretion</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(163)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(1,089)</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Reclassification from nonaccretable difference</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">130</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">973</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Disposals</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(204)</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">Balance at end of period</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">187</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">371</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">During the three- and six- month periods ended December 31, 2019 and December 31, 2018, the Company did not increase or reverse the allowance for loan losses related to these purchased credit impaired loans. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:80%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Residential real estate</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,532</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,921</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Construction real estate</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,340</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,397</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial real estate</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">19,733</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">24,669</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Consumer loans</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Commercial loans</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">7,349</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,381</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Outstanding balance</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$29,954</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$36,368</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">     Carrying amount, net of fair value adjustment of </span><br/><span style="font:9pt Calibri">     $5,844 and $7,821 at December 31, 2019 and  </span><br/><span style="font:9pt Calibri">     June 30, 2019, respectively   </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$24,110</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$28,547</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 1532000 1921000 1340000 1397000 19733000 24669000 0 0 7349000 8381000 29954000 36368000 24110000 28547000 <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:80%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the three-month period ended</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000"><b> December 31, 2019 </b></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000"> December 31, 2018 </span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Balance at beginning of period</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">183</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">305</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Additions</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">102</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Accretion</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(79)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(144)</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Reclassification from nonaccretable difference</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">83</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">108</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Disposals</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Balance at end of period</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">187</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">371</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:80%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the six-month period ended</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000"><b> December 31, 2019 </b></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000"> December 31, 2018 </span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">Balance at beginning of period</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">220</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">589</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Additions</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">102</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Accretion</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(163)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(1,089)</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Reclassification from nonaccretable difference</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">130</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">973</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Disposals</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(204)</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">Balance at end of period</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">187</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">371</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 183000 305000 0 102000 -79000 -144000 83000 108000 0 0 187000 371000 220000 589000 0 102000 -163000 -1089000 130000 973000 0 -204000 187000 371000 <p style="font:10pt Calibri;margin:0">Note 6:  <span style="border-bottom:1px solid #000000">Premises and Equipment</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Following is a summary of premises and equipment:</p> <p style="font:12pt Courier;margin:0;display:none"> </p> <table style="margin:0 auto;border-collapse:collapse;width:80%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Land</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">12,404</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">12,414</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Buildings and improvements</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">54,561</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">54,304</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Construction in progress</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">973</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">466</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Furniture, fixtures, equipment and software</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">17,588</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">16,514</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Automobiles</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">107</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">107</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">Operating leases right of use assets</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,988</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">87,621</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">83,805</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Less accumulated depreciation</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">22,615</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">21,078</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$65,006</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$62,727</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><span style="border-bottom:1px solid #000000">Leases.</span>  The Company adopted ASU 2016-02, Leases (Topic 842), on July 1, 2019, using the modified retrospective transition approach whereby comparative periods were not restated.  The Company also elected certain relief options under the ASU, including the option not to recognize right of use (“ROU”) asset and lease liabilities that arise from short-term leases (leases with terms of twelve months or less).  The Company has five leased properties and numerous office equipment lease agreements in which it is the lessee, with lease terms exceeding twelve months.   </p> <p style="font:10pt Calibri;margin:0"><span style="font:10pt Calibri">Adoption of this ASU resulted in the Company recognizing a ROU asset and corresponding lease liability of $437,000, while entry into a new operating lease agreement during the three-month period ended September 30, 2019, resulted in the recognition of a ROU asset and corresponding lease liability of $1.6 million.</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">All of the leases are classified as operating leases, and therefore, were previously not recognized on the Company’s consolidated balance sheets.  With the adoption of ASU 2016-02, these operating leases are now included as a ROU asset in the premises and equipment line item on the Company’s consolidated balance sheets.  The corresponding lease liability is included in the accounts payable and other liabilities line item on the Company’s consolidated balance sheets.  Because these leases are classified as operating leases, the adoption of the new standard did not have a material effect on lease expense on the Company’s consolidated statements of income. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">ASU 2016-02 also requires certain other accounting elections.  The Company elected the short-term lease recognition exemption for all leases that qualify, meaning those with terms under twelve months.  ROU assets or lease liabilities are not to be recognized for short-term leases. The calculated amount of the ROU assets and lease liabilities in the table below are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the ROU asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception over a similar term. The discount rate utilized was 5%.  The expected lease terms range from 18 months to 20 years.   </p> <p style="font:10pt Courier;margin:0;display:none"> </p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:90%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">At or For the </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Six Months Ended</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">Consolidated Balance Sheet</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Operating leases right of use asset</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,988</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Operating leases liability</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,988</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">Consolidated Statement of Income</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Operating lease costs classified as occupancy and equipment expense</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">109</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">     (includes short-term lease costs)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">Supplemental disclosures of cash flow information</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Cash paid for amounts included in the measurement of lease liabilities:</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">     Operating cash flows from operating leases</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">78</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">ROU assets obtained in exchange for operating lease obligations:</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,004</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">For the three- and six- month periods ended December 31, 2019, lease expense was $52,000 and $109,000, respectively, and was $51,000 and $129,000 for the three- and six- month periods ended December 31, 2018, respectively.  At December 31, 2019, future expected lease payments for leases with terms exceeding one year were as follows:</p> <p style="font:12pt Courier;margin:0;display:none"> </p> <table style="margin:0 auto;border-collapse:collapse;width:60%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">77</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">2021</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">269</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">2022</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">243</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">2023</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">243</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">2024</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">243</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">2025</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">243</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Thereafter</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,599</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Future lease payments expected</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$2,917</span></p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Courier;margin:0"><span style="font:10pt Calibri">The Company leases facilities it owns or portions of facilities it owns to other third parties. The Company has determined that all of these lease agreements, in terms of being the lessor, are classified as operating leases.   For the three- and six- month periods ended December 31, 2019, income recognized from these lessor agreements was $80,000 and $162,000, respectively, and was included in net occupancy and equipment expense. </span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:12pt Courier;margin:0;display:none"> </p> <table style="margin:0 auto;border-collapse:collapse;width:80%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Land</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">12,404</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">12,414</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Buildings and improvements</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">54,561</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">54,304</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Construction in progress</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">973</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">466</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Furniture, fixtures, equipment and software</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">17,588</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">16,514</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Automobiles</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">107</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">107</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">Operating leases right of use assets</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,988</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">87,621</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">83,805</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Less accumulated depreciation</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">22,615</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">21,078</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$65,006</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$62,727</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 12404000 12414000 54561000 54304000 973000 466000 17588000 16514000 107000 107000 1988000 0 22615000 21078000 65006000 62727000 <p style="font:10pt Calibri;margin:0"><span style="border-bottom:1px solid #000000">Leases.</span>  The Company adopted ASU 2016-02, Leases (Topic 842), on July 1, 2019, using the modified retrospective transition approach whereby comparative periods were not restated.  The Company also elected certain relief options under the ASU, including the option not to recognize right of use (“ROU”) asset and lease liabilities that arise from short-term leases (leases with terms of twelve months or less).  The Company has five leased properties and numerous office equipment lease agreements in which it is the lessee, with lease terms exceeding twelve months.   </p> <p style="font:10pt Calibri;margin:0"><span style="font:10pt Calibri">Adoption of this ASU resulted in the Company recognizing a ROU asset and corresponding lease liability of $437,000, while entry into a new operating lease agreement during the three-month period ended September 30, 2019, resulted in the recognition of a ROU asset and corresponding lease liability of $1.6 million.</span></p> 437000 1600000 1600000 0.05 The expected lease terms range from 18 months 20 years. <table style="margin:0 auto;border-collapse:collapse;width:90%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">At or For the </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Six Months Ended</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">Consolidated Balance Sheet</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Operating leases right of use asset</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,988</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Operating leases liability</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,988</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">Consolidated Statement of Income</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Operating lease costs classified as occupancy and equipment expense</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">109</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">     (includes short-term lease costs)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">Supplemental disclosures of cash flow information</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Cash paid for amounts included in the measurement of lease liabilities:</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">     Operating cash flows from operating leases</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">78</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">ROU assets obtained in exchange for operating lease obligations:</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,004</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 1988000 1988000 109000 78000 2004000 52000 109000 51000 129000 <p style="font:12pt Courier;margin:0;display:none"> </p> <table style="margin:0 auto;border-collapse:collapse;width:60%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">2020</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$</span></p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:right">77</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">2021</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">269</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">2022</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">243</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">2023</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">243</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">2024</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">243</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">2025</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">243</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Thereafter</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">1,599</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Future lease payments expected</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$2,917</span></p> </td></tr> </table> 77000 269000 243000 243000 243000 243000 1599000 2917000 80000 162000 <p style="font:10pt Calibri;margin:0">Note 7:  <span style="border-bottom:1px solid #000000">Deposits</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Deposits are summarized as follows:</p> <p style="font:12pt Courier;margin:0;display:none"> </p> <table style="margin:0 auto;border-collapse:collapse;width:80%"><tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Non-interest bearing accounts</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">223,604</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">218,889</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">NOW accounts</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">658,073</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">639,219</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Money market deposit accounts</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">204,143</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">188,355</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Savings accounts </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">166,140</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">167,973</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Certificates</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">662,654</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">679,259</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">     Total Deposit Accounts</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,914,614</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,893,695</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:12pt Courier;margin:0;display:none"> </p> <table style="margin:0 auto;border-collapse:collapse;width:80%"><tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">June 30, 2019</span></p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Non-interest bearing accounts</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">223,604</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">218,889</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">NOW accounts</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">658,073</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">639,219</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Money market deposit accounts</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">204,143</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">188,355</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Savings accounts </span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">166,140</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">167,973</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Certificates</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">662,654</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">679,259</p> </td></tr> <tr style="height:7.2pt"><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">     Total Deposit Accounts</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,914,614</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,893,695</p> </td></tr> </table> 223604000 218889000 658073000 639219000 204143000 188355000 166140000 167973000 662654000 679259000 1914614000 1893695000 <p style="font:10pt Calibri;margin:0">Note 8:  <span style="border-bottom:1px solid #000000">Earnings Per Share </span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The following table sets forth the computation of basic and diluted earnings per share:</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="6" style="width:25.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Three months ended</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="6" style="width:25.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Six months ended</p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="6" style="width:25.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">December 31,</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="6" style="width:25.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">December 31,</p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000"><b>2019</b></span></p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">2018</span></p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000"><b>2019</b></span></p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">2018</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:11.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><i>(dollars in thousands except per share data)</i></p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Net income </span></p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">7,717</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">7,454</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">15,545</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">14,254</p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Average Common shares – outstanding basic </span></p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,202,052</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,136,873</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,217,155</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,066,597</p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Stock options under treasury stock method </span></p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">10,847</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">11,860</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,675</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">12,342</p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Average Common shares – outstanding diluted </span></p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,212,899</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,148,733</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,226,830</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,078,939</p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Basic earnings per common share </span></p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">0.84</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">0.82</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1.69</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.48%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1.57</p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Diluted earnings per common share </span></p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">0.84</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">0.81</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1.68</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.48%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1.57</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">At December 31, 2019, no options outstanding had an exercise price in excess of the market price.  At December 31, 2018, 13,500 options outstanding had an exercise price in excess of the market price.  </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="6" style="width:25.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Three months ended</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="6" style="width:25.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Six months ended</p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="6" style="width:25.9%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">December 31,</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="6" style="width:25.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">December 31,</p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000"><b>2019</b></span></p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri;border-bottom:1px solid #000000">2018</span></p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000"><b>2019</b></span></p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><span style="border-bottom:1px solid #000000">2018</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:11.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:11.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><i>(dollars in thousands except per share data)</i></p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Net income </span></p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">7,717</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">7,454</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">15,545</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">14,254</p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Average Common shares – outstanding basic </span></p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,202,052</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,136,873</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,217,155</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,066,597</p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Stock options under treasury stock method </span></p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">10,847</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">11,860</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,675</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">12,342</p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Average Common shares – outstanding diluted </span></p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,212,899</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,148,733</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,226,830</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:1pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">9,078,939</p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.52%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Basic earnings per common share </span></p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">0.84</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">0.82</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1.69</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.48%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1.57</p> </td></tr> <tr style="height:7.2pt"><td style="width:46.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Diluted earnings per common share </span></p> </td><td style="width:1.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">0.84</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">0.81</p> </td><td style="width:0.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.52%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1.68</p> </td><td style="width:0.86%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td colspan="2" style="width:2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.48%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1.57</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 7717000 7454000 15545000 14254000 9202052 9136873 9217155 9066597 10847 11860 9675 12342 9212899 9148733 9226830 9078939 0.84 0.82 1.69 1.57 0.84 0.81 1.68 1.57 0 13500 <p style="font:10pt Calibri;margin:0">Note 9: <span style="border-bottom:1px solid #000000">Income Taxes   </span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The Company and its subsidiary files income tax returns in the U.S. Federal jurisdiction and various states. The Company is no longer subject to federal and state examinations by tax authorities for tax years ending June 30, 2015 and before.  The Company recognized no interest or penalties related to income taxes.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The Company’s income tax provision is comprised of the following components: </p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:101.58%"><tr style="height:7.2pt"><td style="width:22.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="5" style="width:37.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the three-month period ended</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="5" style="width:39.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the six-month periods ended</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">December 31, 2018</span></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><b>December 31, 2019</b></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:18.26%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">December 31, 2018</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Income taxes</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:16.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:18.26%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:22.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Current</span></p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,915</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,368</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,884</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.26%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,029</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Deferred</span></p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(1,566)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">12</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.26%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(1,560)</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Total income tax provision</span></p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,921</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,802</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,896</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.26%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,469</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The components of net deferred tax assets are summarized as follows:</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:90%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><b>December 31, 2019</b></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Deferred tax assets:</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Provision for losses on loans</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,873</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,601</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Accrued compensation and benefits</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">567</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">692</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  NOL carry forwards acquired</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">174</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">199</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Minimum Tax Credit</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">130</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">130</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Unrealized loss on other real estate</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">51</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">134</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Purchase accounting adjustments</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">255</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Losses and credits from LLC's</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,100</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,206</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Total deferred tax assets</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6,895</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">7,217</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Deferred tax liabilities:</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Purchase accounting adjustments</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">164</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Depreciation</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,411</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,749</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  FHLB stock dividends</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">120</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">120</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Prepaid expenses</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">238</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">313</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Unrealized gain on available for sale securities</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">477</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">364</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Other</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">61</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Total deferred tax liabilities</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,410</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,607</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Net deferred tax asset</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,485</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$4,610</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">As of December 31, 2019 the Company had approximately $963,000 and $1.7 million in federal and state net operating loss carryforwards, respectively, which were acquired in the July 2009 acquisition of Southern Bank of Commerce, the February 2014 acquisition of Citizens State Bankshares of Bald Knob, Inc., and the August 2014 acquisition of Peoples Service Company.  The amount reported is net of the IRC Sec. 382 limitation, or state equivalent, related to utilization of net operating loss carryforwards of acquired corporations. Unless otherwise utilized, the net operating losses will begin to expire in 2027. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">A reconciliation of income tax expense at the statutory rate to the Company’s actual income tax is shown below: </p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td colspan="5" style="width:35.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">For the three-month periods ended</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td colspan="5" style="width:35.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">For the six-month periods ended</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td colspan="2" style="width:17%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><b>December 31,</b></p> <p style="font:9pt Calibri;margin:0;text-align:center"><b>2019</b></p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:16.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">December 31,</p> <p style="font:9pt Calibri;margin:0;text-align:center">2018</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:17%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><b>December 31,</b></p> <p style="font:9pt Calibri;margin:0;text-align:center"><b>2019</b></p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:16.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">December 31,</p> <p style="font:9pt Calibri;margin:0;text-align:center">2018</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">Tax at statutory rate</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">2,024</p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,944</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$4,083</p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,722</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Increase (reduction) in taxes<br/>  resulting from:</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">    Nontaxable municipal income</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(113)</p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(77)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(226)</p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(149)</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">    State tax, net of Federal benefit</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">87</p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">101</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">196</p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">224</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">    Cash surrender value of<br/>      Bank-owned life insurance</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(53)</p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(125)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(106)</p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(176)</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">    Tax credit benefits</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(4)</p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(68)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(6)</p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(136)</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">    Other, net</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(20)</p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">27</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(45)</p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(16)</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">Actual provision</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,921</p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,802</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,896</p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,469</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">For the three- and six- month periods ended December 31, 2019 and December 31, 2018, income tax expense at the statutory rate was calculated using a 21% annual effective tax rate (AETR).  </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Tax credit benefits are recognized under the deferral method of accounting for investments in tax credits.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:101.58%"><tr style="height:7.2pt"><td style="width:22.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="5" style="width:37.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the three-month period ended</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td colspan="5" style="width:39.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the six-month periods ended</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">December 31, 2018</span></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><b>December 31, 2019</b></p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:18.26%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">December 31, 2018</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Income taxes</p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:16.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:18.26%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:22.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Current</span></p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,915</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,368</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,884</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.26%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,029</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Deferred</span></p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(1,566)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">12</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:18.26%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(1,560)</p> </td></tr> <tr style="height:7.2pt"><td style="width:22.4%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Total income tax provision</span></p> </td><td style="width:1.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,921</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,802</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,896</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.68%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:18.26%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,469</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 1915000 3368000 3884000 5029000 6000 -1566000 12000 -1560000 1921000 1802000 3896000 3469000 <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:90%"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><b>December 31, 2019</b></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Deferred tax assets:</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Provision for losses on loans</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,873</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,601</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Accrued compensation and benefits</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">567</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">692</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  NOL carry forwards acquired</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">174</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">199</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Minimum Tax Credit</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">130</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">130</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Unrealized loss on other real estate</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">51</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">134</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Purchase accounting adjustments</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">255</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Losses and credits from LLC's</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,100</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,206</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Total deferred tax assets</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">6,895</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">7,217</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Deferred tax liabilities:</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Purchase accounting adjustments</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">164</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Depreciation</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,411</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,749</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  FHLB stock dividends</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">120</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">120</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Prepaid expenses</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">238</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">313</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000">  Unrealized gain on available for sale securities</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">477</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">364</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Other</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">61</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Total deferred tax liabilities</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,410</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,607</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Net deferred tax asset</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,485</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$4,610</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 4873000 4601000 567000 692000 174000 199000 130000 130000 51000 134000 0 255000 1100000 1206000 6895000 7217000 164000 0 1411000 1749000 120000 120000 238000 313000 477000 364000 0 61000 2410000 2607000 4485000 4610000 963000 1700000 <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td colspan="5" style="width:35.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">For the three-month periods ended</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td colspan="5" style="width:35.16%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">For the six-month periods ended</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"><i>(dollars in thousands)</i></p> </td><td colspan="2" style="width:17%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><b>December 31,</b></p> <p style="font:9pt Calibri;margin:0;text-align:center"><b>2019</b></p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:16.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">December 31,</p> <p style="font:9pt Calibri;margin:0;text-align:center">2018</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:17%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><b>December 31,</b></p> <p style="font:9pt Calibri;margin:0;text-align:center"><b>2019</b></p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td colspan="2" style="width:16.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">December 31,</p> <p style="font:9pt Calibri;margin:0;text-align:center">2018</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">Tax at statutory rate</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">2,024</p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,944</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">$4,083</p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,722</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Increase (reduction) in taxes<br/>  resulting from:</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">    Nontaxable municipal income</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(113)</p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(77)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(226)</p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(149)</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">    State tax, net of Federal benefit</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">87</p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">101</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">196</p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">224</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">    Cash surrender value of<br/>      Bank-owned life insurance</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(53)</p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(125)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(106)</p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(176)</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">    Tax credit benefits</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(4)</p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(68)</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(6)</p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(136)</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">    Other, net</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(20)</p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">27</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(45)</p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">(16)</p> </td></tr> <tr style="height:7.2pt"><td style="width:28.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0">Actual provision</p> </td><td style="width:4.14%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:12.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,921</p> </td><td style="width:1.48%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.1%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:12.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">1,802</p> </td><td style="width:0.72%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:3.6%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:13.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,896</p> </td><td style="width:1.28%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:4.08%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,469</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 2024000 1944000 4083000 3722000 -113000 -77000 -226000 -149000 87000 101000 196000 224000 -53000 -125000 -106000 -176000 -4000 -68000 -6000 -136000 -20000 27000 -45000 -16000 1921000 1802000 3896000 3469000 0.21 0.21 <p style="font:10pt Calibri;margin:0">Note 10:  <span style="border-bottom:1px solid #000000">401(k) Retirement Plan</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The Bank has a 401(k) retirement plan that covers substantially all eligible employees.  The Bank made a safe harbor matching contribution to the Plan of up to 4% of eligible compensation, depending upon the percentage of eligible pay deferred into the plan by the employee, and also made additional, discretionary profit-sharing contributions for fiscal 2019; for fiscal 2020, the Company has maintained the safe harbor matching contribution of up to 4%, and expects to continue to make additional, discretionary profit-sharing contributions.   During the three- and six- month periods ended December 31, 2019, retirement plan expenses recognized for the Plan totaled approximately $343,000 and $724,000, respectively, as compared to $293,000 and $634,000, respectively, for the same period of the prior fiscal year.  Employee deferrals and safe harbor contributions are fully vested.  Profit-sharing or other contributions vest over a period of five years.</p> <p style="font:10pt Courier;margin:0;display:none"> </p> <p style="font:10pt Calibri;margin:0"> </p> 343000 724000 293000 634000 <p style="font:10pt Calibri;margin:0">Note 11:  <span style="border-bottom:1px solid #000000">Subordinated Debt</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Southern Missouri Statutory Trust I issued $7.0 million of Floating Rate Capital Securities (the “Trust Preferred Securities”) with a liquidation value of $1,000 per share in March 2004. The securities are due in 30 years, redeemable after five years and bear interest at a floating rate based on LIBOR. At December 31, 2019, the current rate was 4.65%. The securities represent undivided beneficial interests in the trust, which was established by the Company for the purpose of issuing the securities. The Trust Preferred Securities were sold in a private transaction exempt from registration under the Securities Act of 1933, as amended (the “Act”) and have not been registered under the Act.  The securities may not be offered or sold in the United States absent registration or an applicable exemption from registration requirements.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Southern Missouri Statutory Trust I used the proceeds from the sale of the Trust Preferred Securities to purchase Junior Subordinated Debentures of the Company. The Company used its net proceeds for working capital and investment in its subsidiaries. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">In connection with its October 2013 acquisition of Ozarks Legacy Community Financial, Inc. (OLCF), the Company assumed $3.1 million in floating rate junior subordinated debt securities. The debt securities had been issued in June 2005 by OLCF in connection with the sale of trust preferred securities, bear interest at a floating rate based on LIBOR, are now redeemable at par, and mature in 2035. At December 31, 2019, the current rate was 4.34%. The carrying value of the debt securities was approximately $2.7 million at December 31, 2019 and $2.6 million at June 30, 2019.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">In connection with its August 2014 acquisition of Peoples Service Company, Inc. (PSC), the Company assumed $6.5 million in floating rate junior subordinated debt securities. The debt securities had been issued in 2005 by PSC’s subsidiary bank holding company, Peoples Banking Company, in connection with the sale of trust preferred securities, bear interest at a floating rate based on LIBOR, are now redeemable at par, and mature in 2035. At December 31, 2019, the current rate was 3.69%.  The carrying value of the debt securities was approximately $5.2 million at December 31 and June 30, 2019.</p> <p style="font:10pt Calibri;margin:0"> </p> 3100000 2700000 2600000 6500000 5200000 5200000 <p style="font:10pt Calibri;margin:0;text-align:justify">Note 12:  <span style="border-bottom:1px solid #000000">Fair Value Measurements</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">ASC Topic 820, <i>Fair Value Measurements</i>, defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Topic 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value:</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Calibri;margin-left:0pt"><b>Level 1</b></kbd><kbd style="margin-left:36pt"/>Quoted prices in active markets for identical assets or liabilities </p> <p style="font:10pt Calibri;margin:0;margin-left:36pt"> </p> <p style="font:10pt Calibri;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Calibri;margin-left:0pt"><b>Level 2</b></kbd><kbd style="margin-left:36pt"/>Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in active markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities </p> <p style="font:10pt Calibri;margin:0;margin-left:36pt"> </p> <p style="font:10pt Calibri;margin:0;margin-left:36pt"><kbd style="position:absolute;font:10pt Calibri;margin-left:0pt"><b>Level 3</b></kbd><kbd style="margin-left:36pt"/>Unobservable inputs supported by little or no market activity that are significant to the fair value of the assets or liabilities </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Recurring Measurements. </b>The following table presents the fair value measurements of assets  recognized in the accompanying balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2019 and June 30, 2019:</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:42.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:57.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value Measurements at <b>December 31, 2019</b>, Using:</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Quoted Prices</p> <p style="font:9pt Calibri;margin:0;text-align:center">in Active</p> <p style="font:9pt Calibri;margin:0;text-align:center">Markets for</p> <p style="font:9pt Calibri;margin:0;text-align:center">Identical</p> <p style="font:9pt Calibri;margin:0;text-align:center">Assets</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Significant</p> <p style="font:9pt Calibri;margin:0;text-align:center">Other</p> <p style="font:9pt Calibri;margin:0;text-align:center">Observable</p> <p style="font:9pt Calibri;margin:0;text-align:center">Inputs</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Significant</p> <p style="font:9pt Calibri;margin:0;text-align:center">Unobservable</p> <p style="font:9pt Calibri;margin:0;text-align:center">Inputs</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.72%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Fair Value</span></p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.44%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 1)</span></p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 2)</span></p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 3)</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">U.S. government sponsored enterprises (GSEs)</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,295</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,295</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">State and political subdivisions</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">42,238</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">42,238</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Other securities</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,023</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,023</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Mortgage-backed GSE residential</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">125,287</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">125,287</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:42.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:57.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value Measurements at June 30, 2019, Using:</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Quoted Prices</p> <p style="font:9pt Calibri;margin:0;text-align:center">in Active</p> <p style="font:9pt Calibri;margin:0;text-align:center">Markets for</p> <p style="font:9pt Calibri;margin:0;text-align:center">Identical</p> <p style="font:9pt Calibri;margin:0;text-align:center">Assets</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Significant</p> <p style="font:9pt Calibri;margin:0;text-align:center">Other</p> <p style="font:9pt Calibri;margin:0;text-align:center">Observable</p> <p style="font:9pt Calibri;margin:0;text-align:center">Inputs</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Significant</p> <p style="font:9pt Calibri;margin:0;text-align:center">Unobservable</p> <p style="font:9pt Calibri;margin:0;text-align:center">Inputs</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.72%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Fair Value</span></p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.44%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 1)</span></p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 2)</span></p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.28%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 3)</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">U.S. government sponsored enterprises (GSEs)</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">7,270</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">7,270</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:13.28%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">State and political subdivisions</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">42,783</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">42,783</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.28%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Other securities</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,053</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,053</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.28%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Mortgage-backed GSE residential</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">110,429</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">110,429</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.28%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><i>Available-for-sale Securities. </i>When quoted market prices are available in an active market, securities are classified within Level 1. The Company does not have Level 1 securities. If quoted market prices are not available, then fair values are estimated using pricing models, or quoted prices of securities with similar characteristics. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Level 2 securities include U.S. Government-sponsored enterprises, state and political subdivisions, other securities, mortgage-backed GSE residential securities and mortgage-backed other U.S. Government agencies. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy. </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Nonrecurring Measurements. </b> The following tables present the fair value measurement of assets measured at fair value on a nonrecurring basis and the level within the ASC 820 fair value hierarchy in which the fair value measurements fell at December 31 and June 30, 2019:</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:57.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Fair Value Measurements at<b> December 31 , 2019</b>, Using:</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Quoted Prices</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Significant</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.9%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">in Active</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Other</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.9%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"><span style="font:9pt Calibri">Significant</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Markets for</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Observable</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.9%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unobservable</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Identical Assets</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Inputs</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.9%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Inputs</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Fair Value</span></p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 1)</span></p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 2)</span></p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.9%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 3)</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Foreclosed and repossessed assets held for sale</span></p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">553</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.9%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">553</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:14.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.9%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:12.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:57.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Fair Value Measurements at June 30, 2019, Using:</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Quoted Prices</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Significant</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">in Active</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Other</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"><span style="font:9pt Calibri">Significant</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Markets for</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Observable</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unobservable</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Identical Assets</span></p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Inputs</span></p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Inputs</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">Fair Value</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">(Level 1)</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">(Level 2)</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">(Level 3)</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Foreclosed and repossessed assets held for sale</span></p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,430</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,430</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The following table presents gains and (losses) recognized on assets measured on a non-recurring basis for the six-month periods ended December 31, 2019 and 2018:</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the six months ended</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">December 31, 2018</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Foreclosed and repossessed assets held for sale</span></p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(96)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(222)</p> </td></tr> <tr style="height:7.2pt"><td colspan="3" style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Total (losses) gains on assets measured on a non-recurring basis</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(96)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(222)</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The following is a description of valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets and liabilities pursuant to the valuation hierarchy. For assets classified within Level 3 of fair value hierarchy, the process used to develop the reported fair value process is described below.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><i>Foreclosed and Repossessed Assets Held for Sale. </i>Foreclosed and repossessed assets held for sale are valued at the time the loan is foreclosed upon or collateral is repossessed and the asset is transferred to foreclosed or repossessed assets held for sale. The value of the asset is based on third party or internal appraisals, less estimated costs to sell and appropriate discounts, if any. The appraisals are generally discounted based on current and expected market conditions that may impact the sale or value of the asset and management’s knowledge and experience with similar assets. Such discounts typically may be significant and result in a Level 3 classification of the inputs for determining fair value of these assets. Foreclosed and repossessed assets held for sale are continually evaluated for additional impairment and are adjusted accordingly if impairment is identified.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Unobservable (Level 3) Inputs. </b>The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements.</p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:26.94%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:2.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Fair</p> <p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">value at<br/><b>December 31 , 2019</b></p> </td><td style="width:16.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Valuation<br/>technique</p> </td><td style="width:19.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unobservable<br/>inputs</p> </td><td style="width:11.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Range of<br/>inputs<br/>applied</p> </td><td style="width:10.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Weighted-average<br/>inputs applied</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">Nonrecurring Measurements</span></p> </td><td style="width:2.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:12.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:16.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:19.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:11.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:26.94%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000">Foreclosed and repossessed</p> <p style="font:9pt Calibri;margin:0;color:#000000">    assets</p> </td><td style="width:2.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:12.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$553</span></p> </td><td style="width:16.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Third party appraisal</span></p> </td><td style="width:19.12%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Marketability discount</span></p> </td><td style="width:11.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">0.0% - 39.4%</span></p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">11.2%</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:26.94%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:2.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:12.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:16.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:19.12%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:11.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:24.12%;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:2.04%;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:19.5%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Fair</p> <p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">value at<br/>June 30, 2019</p> </td><td style="width:14.66%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Valuation<br/>technique</p> </td><td style="width:15.66%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unobservable<br/>inputs</p> </td><td style="width:10.54%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Range of<br/>inputs<br/>applied</p> </td><td style="width:13.46%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Weighted-average<br/>inputs applied</p> </td></tr> <tr style="height:7.2pt"><td style="width:24.12%" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">Nonrecurring Measurements</span></p> </td><td style="width:2.04%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:19.5%;white-space:nowrap" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:14.66%;white-space:nowrap" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:15.66%" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.54%" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:13.46%" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:24.12%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000">Foreclosed and repossessed</p> <p style="font:9pt Calibri;margin:0;color:#000000">    assets</p> </td><td style="width:2.04%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:19.5%;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$2,430</span></p> </td><td style="width:14.66%;white-space:nowrap" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Third party appraisal</span></p> </td><td style="width:15.66%;white-space:nowrap" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Marketability discount</span></p> </td><td style="width:10.54%;white-space:nowrap" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">5.1% - 77.0%</span></p> </td><td style="width:13.46%;white-space:nowrap" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">35.2%</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:24.12%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:2.04%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:19.5%;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:14.66%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:15.66%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:10.54%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.46%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"><b>Fair Value of Financial Instruments. </b>The following table presents estimated fair values of the Company’s financial instruments not reported at fair value and the level within the fair value hierarchy in which the fair value measurements fell at December 31 and June 30, 2019. </p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:37.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td colspan="11" style="width:62.26%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Quoted Prices</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">in Active</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Significant</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Markets for</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Significant Other</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unobservable</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Carrying</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Identical Assets</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Observable Inputs</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Inputs</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Amount</span></p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 1)</span></p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 2)</span></p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 3)</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Financial assets</p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Cash and cash equivalents</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">$</p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">41,043</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">41,043</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Interest-bearing time deposits</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">972</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">972</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Stock in FHLB</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,172</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,172</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Stock in Federal Reserve Bank of St. Louis</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,350</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,350</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Loans receivable, net</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,922,785</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,921,273</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Accrued interest receivable</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">11,292</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">11,292</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Financial liabilities</p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Deposits</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,914,614</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,248,527</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">663,687</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Securities sold under agreements to</span><br/><span style="font:9pt Calibri">    repurchase</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Advances from FHLB</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">114,646</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">115,309</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Note payable</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,000</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,000</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Accrued interest payable</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,925</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,925</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Subordinated debt</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">15,093</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">14,579</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Unrecognized financial instruments (net of</p> <p style="font:9pt Calibri;margin:0;color:#000000">   contract amount)</p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Commitments to originate loans</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Letters of credit</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Lines of credit</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <p style="font:10pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100.06%"><tr style="height:7.2pt"><td style="width:37.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:62.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Quoted Prices</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.54%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:12.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">in Active</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.54%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Significant</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Markets for</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.54%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Significant Other</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unobservable</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Carrying</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Identical Assets</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.54%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Observable Inputs</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Inputs</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="middle"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Amount</span></p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="middle"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 1)</span></p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.54%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="middle"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 2)</span></p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="middle"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 3)</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000">Financial assets</p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Cash and cash equivalents</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">$</p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">35,400</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">35,400</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Interest-bearing time deposits</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">969</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">969</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Stock in FHLB</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,233</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,233</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Stock in Federal Reserve Bank of St. Louis</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,350</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,350</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Loans receivable, net</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,846,405</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,823,040</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Accrued interest receivable</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">10,189</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">10,189</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000">Financial liabilities</p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Deposits</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,893,695</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,214,606</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">678,301</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Securities sold under agreements to</span><br/><span style="font:9pt Calibri">    repurchase</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,376</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,376</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Advances from FHLB</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">44,908</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">45,547</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Note payable</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,000</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,000</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Accrued interest payable</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,099</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,099</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Subordinated debt</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">15,043</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">15,267</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000">Unrecognized financial instruments</p> <p style="font:9pt Calibri;margin:0;color:#000000">    (net of contract amount)</p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Commitments to originate loans</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Letters of credit</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Lines of credit</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The following methods and assumptions were used in estimating the fair values of financial instruments:</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">Cash and cash equivalents and interest-bearing time deposits are valued at their carrying amounts, which approximates book value. Stock in FHLB and the Federal Reserve Bank of St. Louis is valued at cost, which approximates fair value. The fair value of loans is estimated on an exit price basis incorporating contractual cash flow, prepayments discount spreads, credit loss and liquidity premiums.  Loans with similar characteristics were aggregated for purposes of the calculations. The carrying amount of accrued interest approximates its fair value.</p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">The fair value of fixed-maturity time deposits is estimated using a discounted cash flow calculation that applies the rates currently offered for deposits of similar remaining maturities. Non-maturity deposits and securities sold under agreements are valued at their carrying value, which approximates fair value. Fair value of advances from the FHLB is estimated by discounting maturities using an estimate of the current market for similar instruments. The fair value of subordinated debt and notes payable is estimated using rates currently available to the Company for debt with similar terms and maturities. The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. The carrying amount of notes payable approximates fair value.  For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and committed rates. The fair value of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date.  </p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:42.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:57.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value Measurements at <b>December 31, 2019</b>, Using:</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Quoted Prices</p> <p style="font:9pt Calibri;margin:0;text-align:center">in Active</p> <p style="font:9pt Calibri;margin:0;text-align:center">Markets for</p> <p style="font:9pt Calibri;margin:0;text-align:center">Identical</p> <p style="font:9pt Calibri;margin:0;text-align:center">Assets</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Significant</p> <p style="font:9pt Calibri;margin:0;text-align:center">Other</p> <p style="font:9pt Calibri;margin:0;text-align:center">Observable</p> <p style="font:9pt Calibri;margin:0;text-align:center">Inputs</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Significant</p> <p style="font:9pt Calibri;margin:0;text-align:center">Unobservable</p> <p style="font:9pt Calibri;margin:0;text-align:center">Inputs</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.72%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Fair Value</span></p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.44%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 1)</span></p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 2)</span></p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 3)</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">U.S. government sponsored enterprises (GSEs)</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,295</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">3,295</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">State and political subdivisions</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">42,238</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">42,238</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Other securities</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,023</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,023</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Mortgage-backed GSE residential</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">125,287</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">125,287</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:42.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:57.2%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center">Fair Value Measurements at June 30, 2019, Using:</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.72%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.44%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Quoted Prices</p> <p style="font:9pt Calibri;margin:0;text-align:center">in Active</p> <p style="font:9pt Calibri;margin:0;text-align:center">Markets for</p> <p style="font:9pt Calibri;margin:0;text-align:center">Identical</p> <p style="font:9pt Calibri;margin:0;text-align:center">Assets</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.98%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Significant</p> <p style="font:9pt Calibri;margin:0;text-align:center">Other</p> <p style="font:9pt Calibri;margin:0;text-align:center">Observable</p> <p style="font:9pt Calibri;margin:0;text-align:center">Inputs</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.28%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:center">Significant</p> <p style="font:9pt Calibri;margin:0;text-align:center">Unobservable</p> <p style="font:9pt Calibri;margin:0;text-align:center">Inputs</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:9.72%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Fair Value</span></p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.44%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 1)</span></p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:10.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 2)</span></p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;text-align:center"> </p> </td><td style="width:13.28%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 3)</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">U.S. government sponsored enterprises (GSEs)</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">7,270</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">7,270</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right">$</p> </td><td style="width:13.28%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">State and political subdivisions</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">42,783</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">42,783</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.28%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Other securities</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,053</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">5,053</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.28%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Mortgage-backed GSE residential</span></p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:9.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">110,429</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:10.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">110,429</p> </td><td style="width:0.8%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:1.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;text-align:right"> </p> </td><td style="width:13.28%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;text-align:right">-</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 3295000 42238000 5023000 125287000 7270000 42783000 5053000 110429000 <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:57.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Fair Value Measurements at<b> December 31 , 2019</b>, Using:</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Quoted Prices</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Significant</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.9%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">in Active</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Other</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.9%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"><span style="font:9pt Calibri">Significant</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Markets for</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Observable</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.9%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unobservable</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Identical Assets</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Inputs</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.9%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Inputs</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Fair Value</span></p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 1)</span></p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 2)</span></p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.9%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 3)</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Foreclosed and repossessed assets held for sale</span></p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">553</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.9%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">553</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.68%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:14.42%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.72%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.9%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:12.96%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:57.22%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Fair Value Measurements at June 30, 2019, Using:</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Quoted Prices</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Significant</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">in Active</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Other</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"><span style="font:9pt Calibri">Significant</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Markets for</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Observable</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unobservable</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:12pt Courier;margin:0;display:none"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Identical Assets</span></p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Inputs</span></p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Inputs</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">Fair Value</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">(Level 1)</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">(Level 2)</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Calibri;margin:0;color:#000000;text-align:center">(Level 3)</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Foreclosed and repossessed assets held for sale</span></p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">$</p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,430</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,430</p> </td></tr> <tr style="height:7.2pt"><td style="width:42.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:14.44%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:10.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:0.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:12.98%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 553000 2430000 <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse"><tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td colspan="5" style="padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">For the six months ended</p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">December 31, 2018</span></p> </td></tr> <tr style="height:7.2pt"><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Foreclosed and repossessed assets held for sale</span></p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(96)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(222)</p> </td></tr> <tr style="height:7.2pt"><td colspan="3" style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">      Total (losses) gains on assets measured on a non-recurring basis</span></p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(96)</p> </td><td style="padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">(222)</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> -96000 -222000 -96000 -222000 <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:26.94%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:2.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.92%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Fair</p> <p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">value at<br/><b>December 31 , 2019</b></p> </td><td style="width:16.3%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Valuation<br/>technique</p> </td><td style="width:19.12%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unobservable<br/>inputs</p> </td><td style="width:11.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Range of<br/>inputs<br/>applied</p> </td><td style="width:10.1%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Weighted-average<br/>inputs applied</p> </td></tr> <tr style="height:7.2pt"><td style="width:26.94%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">Nonrecurring Measurements</span></p> </td><td style="width:2.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:12.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:16.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:19.12%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:11.86%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.1%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:26.94%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000">Foreclosed and repossessed</p> <p style="font:9pt Calibri;margin:0;color:#000000">    assets</p> </td><td style="width:2.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:12.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$553</span></p> </td><td style="width:16.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Third party appraisal</span></p> </td><td style="width:19.12%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Marketability discount</span></p> </td><td style="width:11.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">0.0% - 39.4%</span></p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">11.2%</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:26.94%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:2.76%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:12.92%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:16.3%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:19.12%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:11.86%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:10.1%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:24.12%;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"><i>(dollars in thousands)</i></p> </td><td style="width:2.04%;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:19.5%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Fair</p> <p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">value at<br/>June 30, 2019</p> </td><td style="width:14.66%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Valuation<br/>technique</p> </td><td style="width:15.66%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unobservable<br/>inputs</p> </td><td style="width:10.54%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Range of<br/>inputs<br/>applied</p> </td><td style="width:13.46%;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Weighted-average<br/>inputs applied</p> </td></tr> <tr style="height:7.2pt"><td style="width:24.12%" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"><span style="border-bottom:1px solid #000000">Nonrecurring Measurements</span></p> </td><td style="width:2.04%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:19.5%;white-space:nowrap" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:14.66%;white-space:nowrap" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:15.66%" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:10.54%" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:13.46%" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:24.12%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000">Foreclosed and repossessed</p> <p style="font:9pt Calibri;margin:0;color:#000000">    assets</p> </td><td style="width:2.04%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:19.5%;white-space:nowrap" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">$2,430</span></p> </td><td style="width:14.66%;white-space:nowrap" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Third party appraisal</span></p> </td><td style="width:15.66%;white-space:nowrap" valign="top"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">Marketability discount</span></p> </td><td style="width:10.54%;white-space:nowrap" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">5.1% - 77.0%</span></p> </td><td style="width:13.46%;white-space:nowrap" valign="top"><p style="font:10pt Courier;margin:0;text-align:right"><span style="font:9pt Calibri">35.2%</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:24.12%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:2.04%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:19.5%;white-space:nowrap" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:14.66%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:15.66%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:10.54%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:13.46%;white-space:nowrap" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 553000 Third party appraisal Marketability discount 0.0% - 39.4% 11.2% 2430000 Third party appraisal Marketability discount 5.1% - 77.0% 35.2% <p style="font:10pt Calibri;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100%"><tr style="height:7.2pt"><td style="width:37.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td colspan="11" style="width:62.26%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="bottom"><p style="font:9pt Times New Roman;margin:0;text-align:center"><span style="font:9pt Calibri"><b>December 31, 2019</b></span></p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Quoted Prices</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">in Active</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Significant</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Markets for</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Significant Other</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unobservable</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Carrying</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Identical Assets</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Observable Inputs</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Inputs</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.36%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Amount</span></p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.2%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 1)</span></p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.5%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 2)</span></p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 3)</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Financial assets</p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Cash and cash equivalents</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">$</p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">41,043</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">41,043</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Interest-bearing time deposits</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">972</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">972</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Stock in FHLB</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,172</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">8,172</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Stock in Federal Reserve Bank of St. Louis</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,350</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,350</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Loans receivable, net</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,922,785</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,921,273</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Accrued interest receivable</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">11,292</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">11,292</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Financial liabilities</p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Deposits</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,914,614</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,248,527</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">663,687</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Securities sold under agreements to</span><br/><span style="font:9pt Calibri">    repurchase</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Advances from FHLB</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">114,646</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">115,309</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Note payable</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,000</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,000</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Accrued interest payable</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,925</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,925</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Subordinated debt</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">15,093</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">14,579</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">Unrecognized financial instruments (net of</p> <p style="font:9pt Calibri;margin:0;color:#000000">   contract amount)</p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Commitments to originate loans</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Letters of credit</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.74%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Lines of credit</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.36%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.2%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.5%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.78%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> </table> <p style="font:12pt Courier;margin:0"> </p> <p style="font:10pt Courier;margin:0"> </p> <table style="margin:0 auto;border-collapse:collapse;width:100.06%"><tr style="height:7.2pt"><td style="width:37.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td colspan="11" style="width:62.34%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">June 30, 2019</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Quoted Prices</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.54%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:12.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">in Active</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.54%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Significant</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Markets for</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.54%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Significant Other</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Unobservable</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:center"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Carrying</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Identical Assets</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.54%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Observable Inputs</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center">Inputs</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri"><i>(dollars in thousands)</i></span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:9.38%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="middle"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">Amount</span></p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:14.22%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="middle"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 1)</span></p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:16.54%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="middle"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 2)</span></p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:center"> </p> </td><td style="width:12.8%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt;border-bottom:1pt solid #000000" valign="middle"><p style="font:10pt Courier;margin:0;text-align:center"><span style="font:9pt Calibri">(Level 3)</span></p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000">Financial assets</p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Cash and cash equivalents</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000">$</p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">35,400</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">35,400</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">$</p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Interest-bearing time deposits</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">969</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">969</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Stock in FHLB</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,233</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">5,233</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Stock in Federal Reserve Bank of St. Louis</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,350</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,350</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Loans receivable, net</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,846,405</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,823,040</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Accrued interest receivable</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">10,189</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">10,189</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000">Financial liabilities</p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Deposits</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,893,695</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">1,214,606</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">678,301</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Securities sold under agreements to</span><br/><span style="font:9pt Calibri">    repurchase</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,376</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">4,376</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Advances from FHLB</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">44,908</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">45,547</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Note payable</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,000</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">3,000</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Accrued interest payable</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,099</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">2,099</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Subordinated debt</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">15,043</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">15,267</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:9pt Calibri;margin:0;color:#000000">Unrecognized financial instruments</p> <p style="font:9pt Calibri;margin:0;color:#000000">    (net of contract amount)</p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:10pt Times New Roman;margin:0;text-align:right"> </p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Commitments to originate loans</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Letters of credit</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> <tr style="height:7.2pt"><td style="width:37.62%;padding-left:1.45pt;padding-right:1.45pt" valign="middle"><p style="font:10pt Courier;margin:0"><span style="font:9pt Calibri">  Lines of credit</span></p> </td><td style="width:1.78%;white-space:nowrap;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000"> </p> </td><td style="width:9.38%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.82%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:14.22%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:16.54%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td><td style="width:0.76%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:1.78%;padding-left:1.45pt;padding-right:1.45pt" valign="top"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right"> </p> </td><td style="width:12.8%;padding-left:1.45pt;padding-right:1.45pt" valign="bottom"><p style="font:9pt Calibri;margin:0;color:#000000;text-align:right">-</p> </td></tr> </table> <p style="font:10pt Calibri;margin:0"> </p> 41043000 972000 8172000 4350000 1922785000 11292000 1914614000 0 114646000 3000000 1925000 15093000 0 0 0 35400000 969000 5233000 4350000 1846405000 10189000 1893695000 4376000 44908000 3000000 2099000 15043000 0 0 0 <p style="font:10pt Calibri;margin:0;text-align:justify">Note 13:  <span style="border-bottom:1px solid #000000">Business Combinations</span></p> <p style="font:10pt Calibri;margin:0"> </p> <p style="font:10pt Calibri;margin:0">On January 17, 2020 the Company announced the signing of an agreement and plan of merger whereby Central Federal Bancshares, Inc. (“Central”), and its wholly owned subsidiary, Central Federal Savings and Loan Association (“Central Federal”), will be acquired by the Company in an all-cash transaction valued at approximately $24.0 million. At September 30, 2019, Central held consolidated assets of $69 million, loans, net of allowance, of $53 million, and deposits of $46 million. The transaction is expected to close late in the second quarter of calendar year 2020, subject to satisfaction of customary closing conditions, including regulatory and Central shareholder approvals.  The acquired financial institution is expected to be merged with and into Southern Bank shortly after or simultaneously with the acquisition of Central.  Through December 31, 2019, the Company incurred $25,000 of third-party acquisition-related costs, included in noninterest expense in the Company’s consolidated statement of income for the three- and six- month periods ended December 31, 2019.</p> <p style="font:10pt Calibri;margin:0"> </p> $.15 per share. $.30 per share. $.13 per share. $.26 per share. Fair value adjustment of $5,844 and $7,821 at December 31, 2019 and June 30, 2019, respectively. Includes short-term lease costs. XML 79 R7.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Condensed Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Cash Flows From Operating Activities:    
Net Income $ 15,545 $ 14,254
Items not requiring (providing) cash:    
Depreciation 1,870 1,614
Gain (Loss) on Disposal of Fixed Assets 331 8
Stock Option and Stock Grant Expense 109 126
(Loss) gain on sale/write-down of REO (47) 132
Amortization of intangible assets 882 770
Amortizataion of Purchase Accounting Adjustments (919) (1,629)
Increase in cash surrender value of bank owned life insurance (BOLI) (507) (840)
Provision for loan losses 1,284 995
Net amortization of premiums and discounts on securities 594 452
Originations of loans held for sale (17,504) (14,689)
Proceeds from sales of loans held for sale 17,696 14,934
Gain (loss) on Loans Held for Sale (476) (320)
Changes in:    
Accrued interest receivable (1,103) (1,071)
Prepaid expenses and other assets (781) 2,540
Accounts payable and other liabilities 853 (512)
Deferred income taxes 13 (188)
Accrued interest payable (174) 364
Net cash provided by operating activities 17,666 16,940
Cash flows from investing activities:    
Net increase in loans (77,289) (94,716)
Net change in interest-bearing deposits (2) 242
Proceeds from maturities of available for sale securities 21,740 13,650
Net purchases of Federal Home Loan Bank stock 0 (2,617)
Net purchases of Federal Reserve Bank of St. Louis stock (2,939) 0
Purchases of available-for-sale securities (32,130) (10,017)
Purchases of premises and equipment (2,647) (5,381)
Net cash paid for acquisition 0 (8,377)
Investments in state & federal tax credits (599) (231)
Proceeds from sale of fixed assets 155 0
Proceeds from sale of foreclosed assets 999 1,753
Net cash used in investing activities (92,712) (105,150)
Cash flows from financing activities:    
Net (decrease) increase in certificates of deposits (16,605) 109,146
Net (decrease) increase in securities sold under agreements to repurchase (4,376) 1,158
Proceeds from Federal Home Loan Bank advances 313,850 327,500
Repayments of Federal Home Loan Bank advances (244,174) (267,107)
Net increase (decrease) in demand deposits and savings accounts 37,571 (63,690)
Proceeds from issuance of long term debt 0 (4,400)
Purchase of Treasury Stock (2,814) 0
Dividends paid on common stock (2,763) (2,339)
Net cash provided by financing activities 80,689 100,268
Increase in cash and cash equivalents 5,643 12,058
Cash and cash equivalents at beginning of period 35,400 26,326
Cash and cash equivalents at end of period 41,043 38,384
Noncash investing and financing activities:    
Conversion of Loans to Foreclosed Real Estate 365 1,623
Conversion of Loans to Repossessed Assets 59 20
Right of use assets obtained in exchange for lease obligations: Operating Leases 1,996 0
Fair value of assets acquired 0 216,772
Less: common stock issued 0 10,757
Cash paid for the capital stock 0 11,271
Liabilities assumed 0 194,744
Cash paid during the period for:    
Interest (net of interest credited) 2,223 2,539
Income taxes $ 711 $ 795
XML 80 R100.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
NOTE 6: Premises and Equipment: Property, Plant and Equipment (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Details    
Land $ 12,404 $ 12,414
Buildings and improvements 54,561 54,304
Construction in progress 973 466
Furniture, fixtures, equipment and software 17,588 16,514
Automobiles 107 107
Operating leases right of use assets 1,988 0
Less accumulated depreciation 22,615 21,078
Premises and equipment, net $ 65,006 $ 62,727
XML 81 R13.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
NOTE 6: Premises and Equipment
 6 Months Ended
Dec. 31, 2019
Notes  
NOTE 6: Premises and Equipment

Note 6:  Premises and Equipment

 

Following is a summary of premises and equipment:

 

 

 

 

 

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Land

$

12,404

 

$

12,414

Buildings and improvements

 

54,561

 

 

54,304

Construction in progress

 

973

 

 

466

Furniture, fixtures, equipment and software

 

17,588

 

 

16,514

Automobiles

 

107

 

 

107

Operating leases right of use assets

 

1,988

 

 

-

 

 

87,621

 

 

83,805

Less accumulated depreciation

 

22,615

 

 

21,078

 

$

$65,006

 

$

$62,727

 

 

Leases.  The Company adopted ASU 2016-02, Leases (Topic 842), on July 1, 2019, using the modified retrospective transition approach whereby comparative periods were not restated.  The Company also elected certain relief options under the ASU, including the option not to recognize right of use (“ROU”) asset and lease liabilities that arise from short-term leases (leases with terms of twelve months or less).  The Company has five leased properties and numerous office equipment lease agreements in which it is the lessee, with lease terms exceeding twelve months.   

Adoption of this ASU resulted in the Company recognizing a ROU asset and corresponding lease liability of $437,000, while entry into a new operating lease agreement during the three-month period ended September 30, 2019, resulted in the recognition of a ROU asset and corresponding lease liability of $1.6 million.

 

All of the leases are classified as operating leases, and therefore, were previously not recognized on the Company’s consolidated balance sheets.  With the adoption of ASU 2016-02, these operating leases are now included as a ROU asset in the premises and equipment line item on the Company’s consolidated balance sheets.  The corresponding lease liability is included in the accounts payable and other liabilities line item on the Company’s consolidated balance sheets.  Because these leases are classified as operating leases, the adoption of the new standard did not have a material effect on lease expense on the Company’s consolidated statements of income.

 

ASU 2016-02 also requires certain other accounting elections.  The Company elected the short-term lease recognition exemption for all leases that qualify, meaning those with terms under twelve months.  ROU assets or lease liabilities are not to be recognized for short-term leases. The calculated amount of the ROU assets and lease liabilities in the table below are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the ROU asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception over a similar term. The discount rate utilized was 5%.  The expected lease terms range from 18 months to 20 years.   

 

 

 

 

At or For the

 

 

Six Months Ended

(dollars in thousands)

 

December 31, 2019

Consolidated Balance Sheet

 

 

Operating leases right of use asset

$

1,988

Operating leases liability

$

1,988

 

 

 

Consolidated Statement of Income

 

 

Operating lease costs classified as occupancy and equipment expense

$

109

    (includes short-term lease costs)

 

 

 

 

 

Supplemental disclosures of cash flow information

 

 

Cash paid for amounts included in the measurement of lease liabilities:

 

 

    Operating cash flows from operating leases

$

78

ROU assets obtained in exchange for operating lease obligations:

$

2,004

 

 

For the three- and six- month periods ended December 31, 2019, lease expense was $52,000 and $109,000, respectively, and was $51,000 and $129,000 for the three- and six- month periods ended December 31, 2018, respectively.  At December 31, 2019, future expected lease payments for leases with terms exceeding one year were as follows:

 

(dollars in thousands)

 

 

2020

$

77

2021

 

269

2022

 

243

2023

 

243

2024

 

243

2025

 

243

Thereafter

 

1,599

Future lease payments expected

$

$2,917

 

The Company leases facilities it owns or portions of facilities it owns to other third parties. The Company has determined that all of these lease agreements, in terms of being the lessor, are classified as operating leases.   For the three- and six- month periods ended December 31, 2019, income recognized from these lessor agreements was $80,000 and $162,000, respectively, and was included in net occupancy and equipment expense.

 
XML 82 R104.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
NOTE 6: Premises and Equipment: Operating Lease Expense (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Details        
Operating Lease, Expense $ 52 $ 51 $ 109 $ 129
XML 83 R17.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 10: 401(k) Retirement Plan
 6 Months Ended
Dec. 31, 2019
Notes  
Note 10: 401(k) Retirement Plan

Note 10:  401(k) Retirement Plan

 

The Bank has a 401(k) retirement plan that covers substantially all eligible employees.  The Bank made a safe harbor matching contribution to the Plan of up to 4% of eligible compensation, depending upon the percentage of eligible pay deferred into the plan by the employee, and also made additional, discretionary profit-sharing contributions for fiscal 2019; for fiscal 2020, the Company has maintained the safe harbor matching contribution of up to 4%, and expects to continue to make additional, discretionary profit-sharing contributions.   During the three- and six- month periods ended December 31, 2019, retirement plan expenses recognized for the Plan totaled approximately $343,000 and $724,000, respectively, as compared to $293,000 and $634,000, respectively, for the same period of the prior fiscal year.  Employee deferrals and safe harbor contributions are fully vested.  Profit-sharing or other contributions vest over a period of five years.

 

 
XML 84 R108.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 8: Earnings Per Share: Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($)
$ / shares in Units, $ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Details        
Net income $ 7,717 $ 7,454 $ 15,545 $ 14,254
Weighted Average Number of Shares Outstanding, Basic 9,202,052 9,136,873 9,217,155 9,066,597
Stock options under treasury stock method 10,847 11,860 9,675 12,342
Weighted Average Number of Shares Outstanding, Diluted 9,212,899 9,148,733 9,226,830 9,078,939
Basic earnings per common share $ 0.84 $ 0.82 $ 1.69 $ 1.57
Diluted earnings per common share $ 0.84 $ 0.81 $ 1.68 $ 1.57
XML 85 R86.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Schedule of Accounts, Notes, Loans and Financing Receivable (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Loans Receivable, Gross    
Loans Receivable $ 2,015,983 $ 1,909,464
Loans in Process    
Loans Receivable (72,381) (43,153)
Deferred loan fees, net    
Loans Receivable (3) (3)
SEC Schedule, 12-09, Allowance, Loan and Lease Loss    
Loans Receivable (20,814) (19,903)
Loans Receivable, Net    
Loans Receivable 1,922,785 1,846,405
Consumer Loan    
Loans Receivable 101,621 97,534
Commercial Loan    
Loans Receivable 355,275 355,874
Residential Mortgage    
Loans Receivable 539,416 491,992
Construction Real Estate    
Loans Receivable 169,195 123,287
Commercial Real Estate    
Loans Receivable $ 850,476 $ 840,777
XML 86 R76.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 12: Fair Value Measurements: Fair Value Option, Disclosures (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Fair Value Option, Disclosures

 

(dollars in thousands)

 

Fair

value at
December 31 , 2019

Valuation
technique

Unobservable
inputs

Range of
inputs
applied

Weighted-average
inputs applied

Nonrecurring Measurements

 

 

 

 

 

 

Foreclosed and repossessed

   assets

 

$553

Third party appraisal

Marketability discount

0.0% - 39.4%

11.2%

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Fair

value at
June 30, 2019

Valuation
technique

Unobservable
inputs

Range of
inputs
applied

Weighted-average
inputs applied

Nonrecurring Measurements

 

 

 

 

 

 

Foreclosed and repossessed

   assets

 

$2,430

Third party appraisal

Marketability discount

5.1% - 77.0%

35.2%

 

 

 

 

 

 

 

 
XML 87 R72.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 9: Income Taxes: Reconciliation of Income Tax Expense at the Statutory Rate to Actual Income Tax (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Reconciliation of Income Tax Expense at the Statutory Rate to Actual Income Tax

 

 

For the three-month periods ended

 

For the six-month periods ended

(dollars in thousands)

December 31,

2019

 

December 31,

2018

 

December 31,

2019

 

December 31,

2018

Tax at statutory rate

$

2,024

 

$

1,944

 

$

$4,083

 

$

3,722

Increase (reduction) in taxes
 resulting from:

 

 

 

 

 

 

 

 

 

 

 

   Nontaxable municipal income

 

(113)

 

 

(77)

 

 

(226)

 

 

(149)

   State tax, net of Federal benefit

 

87

 

 

101

 

 

196

 

 

224

   Cash surrender value of
     Bank-owned life insurance

 

(53)

 

 

(125)

 

 

(106)

 

 

(176)

   Tax credit benefits

 

(4)

 

 

(68)

 

 

(6)

 

 

(136)

   Other, net

 

(20)

 

 

27

 

 

(45)

 

 

(16)

Actual provision

$

1,921

 

$

1,802

 

$

3,896

 

$

3,469

 
XML 88 R82.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 3: Securities: Contractual Obligation, Fiscal Year Maturity Schedule (Details)
$ in Thousands
Dec. 31, 2019
USD ($)
Details  
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Amortized Cost $ 4,801
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Fair Value 4,805
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Amortized Cost 8,495
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Fair Value 8,569
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Amortized Cost 17,376
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Fair Value 17,663
Debt Securities, Available-for-sale, Allocated and Single Maturity Date, Maturity, after 10 Years, Amortized Cost 19,236
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value 19,519
Debt and equity securities amortized cost 49,908
Debt and equity securities fair value 50,556
Mortgage-backed securities GSE residential amortized cost 123,769
Mortgage-backed securities GSE residential fair value 125,287
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost 173,677
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value $ 175,843
XML 90 R59.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Schedule of Interest Income Recognized on Impaired Loans (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Interest Income Recognized on Impaired Loans

 

 

For the three-month period ended

 

December 31, 2019

 

 

Average

 

 

 

(dollars in thousands)

 

Investment in

 

 

Interest Income

 

 

Impaired Loans

 

 

Recognized

Residential Real Estate

$

1,482

 

$

22

Construction Real Estate

 

1,300

 

 

36

Commercial Real Estate

 

15,756

 

 

340

Consumer Loans

 

-

 

 

-

Commercial Loans

 

5,760

 

 

121

   Total Loans

$

24,298

 

$

519

 

 

For the three-month period ended

 

December 31, 2018

 

 

Average

 

 

 

(dollars in thousands)

 

Investment in

 

 

Interest Income

 

 

Impaired Loans

 

 

Recognized

Residential Real Estate

$

1,844

 

$

28

Construction Real Estate

 

1,295

 

 

41

Commercial Real Estate

 

13,186

 

 

429

Consumer Loans

 

-

 

 

-

Commercial Loans

 

3,356

 

 

102

   Total Loans

$

19,681

 

$

600

 

 

For the six-month period ended

 

December 31, 2019

 

 

Average

 

 

 

(dollars in thousands)

 

Investment in

 

 

Interest Income

 

 

Impaired Loans

 

 

Recognized

Residential Real Estate

$

1,549

 

$

45

Construction Real Estate

 

1,302

 

 

84

Commercial Real Estate

 

16,958

 

 

675

Consumer Loans

 

-

 

 

-

Commercial Loans

 

5,904

 

 

214

   Total Loans

$

25,713

 

$

1,018

 

 

For the six-month period ended

 

December 31, 2018

 

 

Average

 

 

 

(dollars in thousands)

 

Investment in

 

 

Interest Income

 

 

Impaired Loans

 

 

Recognized

Residential Real Estate

$

2,300

 

$

61

Construction Real Estate

 

1,295

 

 

142

Commercial Real Estate

 

11,327

 

 

799

Consumer Loans

 

-

 

 

-

Commercial Loans

 

3,054

 

 

718

   Total Loans

$

17,976

 

$

1,720

 
XML 91 R51.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 3: Securities: Schedule of Available for Sale Securities (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Available for Sale Securities

 

 

December 31, 2019

 

 

 

 

 

Gross

 

 

Gross

 

 

Estimated

 

 

Amortized

 

 

Unrealized

 

 

Unrealized

 

 

Fair

(dollars in thousands)

 

Cost

 

 

Gains

 

 

Losses

 

 

Value

 

 

 

 

 

 

 

 

 

 

 

 

Investment and mortgage backed securities:

 

 

 

 

 

 

 

 

 

 

 

 U.S. government-sponsored enterprises (GSEs)

$

3,291

 

$

5

 

$

(1)

 

$

3,295

 State and political subdivisions

 

41,445

 

 

811

 

 

(18)

 

 

42,238

 Other securities

 

5,172

 

 

78

 

 

(227)

 

 

5,023

 Mortgage-backed GSE residential

 

123,769

 

 

1,724

 

 

(206)

 

 

125,287

    Total investments and mortgage-backed securities

$

173,677

 

$

2,618

 

$

(452)

 

$

175,843

 

 

June 30, 2019

 

 

 

 

 

Gross

 

 

Gross

 

 

Estimated

 

 

Amortized

 

 

Unrealized

 

 

Unrealized

 

 

Fair

(dollars in thousands)

 

Cost

 

 

Gains

 

 

Losses

 

 

Value

 

 

 

 

 

 

 

 

 

 

 

 

Investment and mortgage backed securities:

 

 

 

 

 

 

 

 

 

 

 

 U.S. government-sponsored enterprises (GSEs)

$

7,284

 

$

1

 

$

(15)

 

$

7,270

 State and political subdivisions

 

42,123

 

 

728

 

 

(68)

 

 

42,783

 Other securities

 

5,176

 

 

75

 

 

(198)

 

 

5,053

 Mortgage-backed GSE residential

 

109,297

 

 

1,449

 

 

(317)

 

 

110,429

    Total investments and mortgage-backed securities

$

163,880

 

$

2,253

 

$

(598)

 

$

165,535
XML 92 R55.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment

 

 

At period end and for the six months ended December 31, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, beginning of period

$

3,706

 

$

1,365

 

$

9,399

 

$

1,046

 

$

4,387

 

$

19,903

 Provision charged to expense

 

160

 

 

292

 

 

413

 

 

92

 

 

327

 

 

1,284

 Losses charged off

 

(172)

 

 

-

 

 

-

 

 

(97)

 

 

(147)

 

 

(416)

 Recoveries

 

18

 

 

-

 

 

15

 

 

9

 

 

1

 

 

43

   Balance, end of period

$

3,712

 

$

1,657

 

$

9,827

 

$

1,050

 

$

4,568

 

$

20,814

   Ending Balance: individually

     evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

   Ending Balance: collectively

     evaluated for impairment

$

3,712

 

$

1,657

 

$

9,827

 

$

1,050

 

$

4,568

 

$

20,814

   Ending Balance: loans acquired

     with deteriorated credit quality

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Ending Balance: individually

   evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 Ending Balance: collectively

   evaluated for impairment

$

538,121

 

$

95,518

 

$

835,045

 

$

101,621

 

$

349,186

 

$

1,919,491

 Ending Balance: loans acquired

   with deteriorated credit quality

$

1,295

 

$

1,296

 

$

15,431

 

$

-

 

$

6,089

 

$

24,111

 

 

For the three months ended December 31, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, beginning of period

$

3,572

 

$

1,539

 

$

9,789

 

$

1,074

 

$

4,736

 

$

20,710

 Provision charged to expense

 

294

 

 

118

 

 

37

 

 

(4)

 

 

(57)

 

 

388

 Losses charged off

 

(172)

 

 

-

 

 

-

 

 

(26)

 

 

(112)

 

 

(310)

 Recoveries

 

18

 

 

-

 

 

1

 

 

6

 

 

1

 

 

26

 Balance, end of period

$

3,712

 

$

1,657

 

$

9,827

 

$

1,050

 

$

4,568

 

$

20,814

 

 

 

At period end and for the six months ended December 31, 2018

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, beginning of period

$

3,226

 

$

1,097

 

$

8,793

 

$

902

 

$

4,196

 

$

18,214

 Provision charged to expense

 

415

 

 

94

 

 

319

 

 

80

 

 

87

 

 

995

 Losses charged off

 

(9)

 

 

-

 

 

(120)

 

 

(20)

 

 

(47)

 

 

(196)

 Recoveries

 

1

 

 

-

 

 

3

 

 

5

 

 

1

 

 

10

 Balance, end of period

$

3,633

 

$

1,191

 

$

8,995

 

$

967

 

$

4,237

 

$

19,023

 Ending Balance: individually

   evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 Ending Balance: collectively

   evaluated for impairment

$

3,633

 

$

1,191

 

$

8,995

 

$

967

 

$

4,237

 

$

19,023

 Ending Balance: loans acquired

   with deteriorated credit quality

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

 

For the three months ended December 31, 2018

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, beginning of period

$

3,349

 

$

1,293

 

$

8,733

 

$

981

 

$

4,434

 

$

18,790

 Provision charged to expense

 

293

 

 

(102)

 

 

284

 

 

(11)

 

 

(150)

 

 

314

 Losses charged off

 

(9)

 

 

-

 

 

(25)

 

 

(3)

 

 

(47)

 

 

(84)

 Recoveries

 

-

 

 

-

 

 

3

 

 

-

 

 

-

 

 

3

 Balance, end of period

$

3,633

 

$

1,191

 

$

8,995

 

$

967

 

$

4,237

 

$

19,023

 

 

At June 30, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Balance, end of period

$

3,706

 

$

1,365

 

$

9,399

 

$

1,046

 

$

4,387

 

$

19,903

 Ending Balance: individually

   evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 Ending Balance: collectively

   evaluated for impairment

$

3,706

 

$

1,365

 

$

9,399

 

$

1,046

 

$

4,387

 

$

19,903

 Ending Balance: loans acquired

   with deteriorated credit quality

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

     

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Ending Balance: individually

   evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 Ending Balance: collectively

   evaluated for impairment

$

490,307

 

$

78,826

 

$

821,415

 

$

97,534

 

$

349,681

 

$

1,837,763

 Ending Balance: loans acquired

   with deteriorated credit quality

$

1,685

 

$

1,308

 

$

19,362

 

$

-

 

$

6,193

 

$

28,548

 
XML 93 R93.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Schedule of Impaired Loans (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Consumer Loan    
Impaired Financing Receivable, with No Related Allowance, Recorded Investment $ 0 $ 8
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance 0 8
Impaired Financing Receivable With No Related Allowance Specific Allowance 0 0
Impaired Financing Receivable, with Related Allowance, Recorded Investment 0 0
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance 0 0
Impaired Financing Receivable With Related Allowance Specific Allowance 0 0
Impaired Financing Receivable With and Without Related Allowance Recorded Investment 0 8
Impaired Financial Receivable With and Without Related Allowance Unpaid Principal Balance 0 8
Impaired Financing Receivable With and Without Related Allowance Specific Allowance 0 0
Commercial Loan    
Impaired Financing Receivable, with No Related Allowance, Recorded Investment 6,813 6,999
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance 8,073 9,187
Impaired Financing Receivable With No Related Allowance Specific Allowance 0 0
Impaired Financing Receivable, with Related Allowance, Recorded Investment 0 0
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance 0 0
Impaired Financing Receivable With Related Allowance Specific Allowance 0 0
Impaired Financing Receivable With and Without Related Allowance Recorded Investment 6,813 6,999
Impaired Financial Receivable With and Without Related Allowance Unpaid Principal Balance 8,073 9,187
Impaired Financing Receivable With and Without Related Allowance Specific Allowance 0 0
Construction Loan Payable    
Impaired Financing Receivable, with No Related Allowance, Recorded Investment 1,295 1,330
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance 1,340 1,419
Impaired Financing Receivable With No Related Allowance Specific Allowance 0 0
Impaired Financing Receivable, with Related Allowance, Recorded Investment 0 0
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance 0 0
Impaired Financing Receivable With Related Allowance Specific Allowance 0 0
Impaired Financing Receivable With and Without Related Allowance Recorded Investment 1,295 1,330
Impaired Financial Receivable With and Without Related Allowance Unpaid Principal Balance 1,340 1,419
Impaired Financing Receivable With and Without Related Allowance Specific Allowance 0 0
Residential Real Estate    
Impaired Financing Receivable, with No Related Allowance, Recorded Investment 4,086 5,104
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance 4,322 5,341
Impaired Financing Receivable With No Related Allowance Specific Allowance 0 0
Impaired Financing Receivable, with Related Allowance, Recorded Investment 0 0
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance 0 0
Impaired Financing Receivable With Related Allowance Specific Allowance 0 0
Impaired Financing Receivable With and Without Related Allowance Recorded Investment 4,086 5,104
Impaired Financial Receivable With and Without Related Allowance Unpaid Principal Balance 4,322 5,341
Impaired Financing Receivable With and Without Related Allowance Specific Allowance 0 0
Commercial Real Estate    
Impaired Financing Receivable, with No Related Allowance, Recorded Investment 22,008 26,410
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance 26,310 31,717
Impaired Financing Receivable With No Related Allowance Specific Allowance 0 0
Impaired Financing Receivable, with Related Allowance, Recorded Investment 0 0
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance 0 0
Impaired Financing Receivable With Related Allowance Specific Allowance 0 0
Impaired Financing Receivable With and Without Related Allowance Recorded Investment 22,008 26,410
Impaired Financial Receivable With and Without Related Allowance Unpaid Principal Balance 26,310 31,717
Impaired Financing Receivable With and Without Related Allowance Specific Allowance $ 0 $ 0
XML 94 R63.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 5: Accounting For Certain Loans Acquired in A Transfer: Schedule of Acquired Loans With Credit Deterioration (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Acquired Loans With Credit Deterioration

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Residential real estate

$

1,532

 

$

1,921

Construction real estate

 

1,340

 

 

1,397

Commercial real estate

 

19,733

 

 

24,669

Consumer loans

 

-

 

 

-

Commercial loans

 

7,349

 

 

8,381

     Outstanding balance

$

$29,954

 

$

$36,368

    Carrying amount, net of fair value adjustment of
    $5,844 and $7,821 at December 31, 2019 and  
    June 30, 2019, respectively   

$

$24,110

 

$

$28,547

 
XML 95 R67.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
NOTE 6: Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Future Minimum Rental Payments for Operating Leases

 

(dollars in thousands)

 

 

2020

$

77

2021

 

269

2022

 

243

2023

 

243

2024

 

243

2025

 

243

Thereafter

 

1,599

Future lease payments expected

$

$2,917
XML 96 R97.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Purchased Credit Impaired Loans Nonaccrual (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Included in Nonaccrual Loans    
Purchased Credit Impaired Loans $ 0 $ 4,100
XML 97 R44.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 3: Securities: Credit Losses Recognized on Investments Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Credit Losses Recognized on Investments Policy

Credit losses recognized on investments.  During fiscal 2009, the Company adopted ASC 820, formerly FASB Staff Position 157-4, “Determining Fair Value When the Volume and Level of Activity for the Asset or Liability Have Significantly Decreased and Identifying Transactions That Are Not Orderly.”  There were no credit losses recognized in income and other losses or recorded in other comprehensive income for the three- and six- month periods ended December 31, 2019 and 2018.
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Note 2: Organization and Summary of Significant Accounting Policies: Fair Value Transfer Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Fair Value Transfer Policy Transfers Between Fair Value Hierarchy Levels.  Transfers in and out of Level 1 (quoted market prices), Level 2 (other significant observable inputs) and Level 3 (significant unobservable inputs) are recognized on the period ending date.
XML 100 R48.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Consumer Lending (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Consumer Lending Automobile loans originated by the Company include both direct loans and a smaller amount of loans originated by auto dealers. The Company generally pays a negotiated fee back to the dealer for indirect loans. Typically, automobile loans are made for terms of up to 60 months for new and used vehicles. Loans secured by automobiles have fixed rates and are generally made in amounts up to 100% of the purchase price of the vehicle.
XML 102 R29.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Foreclosed Real Estate (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Foreclosed Real Estate Loans to facilitate the sale of real estate acquired in foreclosure are discounted if made at less than market rates. Discounts are amortized over the fixed interest period of each loan using the interest method.
XML 103 R21.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies Basis of Financial Statement Presentation. The consolidated financial statements of the Company have been prepared in conformity with accounting principles generally accepted in the United States of America and general practices within the banking industry. In the normal course of business, the Company encounters two significant types of risk: economic and regulatory. Economic risk is comprised of interest rate risk, credit risk, and market risk. The Company is subject to interest rate risk to the degree that its interest-bearing liabilities reprice on a different basis than its interest-earning assets. Credit risk is the risk of default on the Company’s investment or loan portfolios resulting from the borrowers’ inability or unwillingness to make contractually required payments. Market risk reflects changes in the value of the investment portfolio, collateral underlying loans receivable, and the value of the Company’s investments in real estate.
XML 104 R25.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Interest-Bearing Time Deposits (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Interest-Bearing Time Deposits

Interest-bearing Time Deposits. Interest bearing deposits in banks mature within seven years and are carried at cost.
XML 105 R119.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 12: Fair Value Measurements: Fair Value Option, Disclosures (Details) - Fair Value, Inputs, Level 3 - Foreclosed and repossessed assets - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2019
Jun. 30, 2019
Fair Value Asset Liability Measured On Nonrecurring Basis With Unobservable Inputs $ 553 $ 2,430
Third party appraisal    
Fair Value Measurements, Valuation Processes, Description Third party appraisal Third party appraisal
Third party appraisal | Marketability discount    
Unobservable Measurement Input, Uncertainty, Description Marketability discount Marketability discount
Fair Value Measurements Nonrecurring Range of discounts Applied 0.0% - 39.4% 5.1% - 77.0%
Fair Value Measurements Nonrecurring Weighted Average Discount Applied 11.2% 35.2%
XML 106 R115.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 11: Subordinated Debt (Details) - USD ($)
$ in Thousands
 1 Months Ended 3 Months Ended 12 Months Ended
Aug. 31, 2014
Oct. 31, 2013
Dec. 31, 2019
Jun. 30, 2020
Ozarks Legacy Community Financial, Inc.        
Assumed floating rate junior subordinated debt securities   $ 3,100    
Ozarks Legacy Community Financial, Inc. | Reported Value Measurement        
Assumed floating rate junior subordinated debt securities     $ 2,700 $ 2,600
Peoples Service Company, Inc.        
Assumed floating rate junior subordinated debt securities $ 6,500      
Peoples Service Company, Inc. | Reported Value Measurement        
Assumed floating rate junior subordinated debt securities     $ 5,200 $ 5,200
XML 107 R111.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 9: Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Details    
Deferred Tax Assets Provision for Losses on Loans $ 4,873 $ 4,601
Deferred Tax Assets Accrued Compensation and Benefits 567 692
Deferred Tax Assets NOL Carry Forwards Acquired 174 199
Deferred Tax Assets, Tax Credit Carryforwards, Alternative Minimum Tax 130 130
Deferred Tax Assets Unrealized Loss on Other Real Estate 51 134
Deferred tax assets purchase accounting adjustments 0 255
Losses and credits from LLC's 1,100 1,206
Deferred Tax Assets, Gross 6,895 7,217
Deferred tax liabilities purchase accounting adjustments 164 0
Deferred Tax Liabilities Depreciation 1,411 1,749
Deferred Tax Liabilities FHLB Stock Dividends 120 120
Deferred Tax Liabilities, Prepaid Expenses 238 313
Unrealized gain on available for sale securities 477 364
Other 0 61
Deferred Tax Liabilities, Net 2,410 2,607
Deferred Tax Assets, Net of Valuation Allowance $ 4,485 $ 4,610
XML 108 R92.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Schedule of Loan Portfolio Aging Analysis (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Financial Asset, 30 to 59 Days Past Due | Total Loans    
Financing Receivable Recorded Investment $ 2,785 $ 1,075
Financial Asset, 30 to 59 Days Past Due | Consumer Loan    
Financing Receivable Recorded Investment 475 128
Financial Asset, 30 to 59 Days Past Due | Commercial Loan    
Financing Receivable Recorded Investment 277 424
Financial Asset, 30 to 59 Days Past Due | Construction Loan Payable    
Financing Receivable Recorded Investment 0 0
Financial Asset, 30 to 59 Days Past Due | Residential Real Estate    
Financing Receivable Recorded Investment 1,457 227
Financial Asset, 30 to 59 Days Past Due | Commercial Real Estate    
Financing Receivable Recorded Investment 576 296
Financial Asset, 60 to 89 Days Past Due | Total Loans    
Financing Receivable Recorded Investment 1,908 1,126
Financial Asset, 60 to 89 Days Past Due | Consumer Loan    
Financing Receivable Recorded Investment 136 46
Financial Asset, 60 to 89 Days Past Due | Commercial Loan    
Financing Receivable Recorded Investment 230 25
Financial Asset, 60 to 89 Days Past Due | Construction Loan Payable    
Financing Receivable Recorded Investment 0 0
Financial Asset, 60 to 89 Days Past Due | Residential Real Estate    
Financing Receivable Recorded Investment 1,246 1,054
Financial Asset, 60 to 89 Days Past Due | Commercial Real Estate    
Financing Receivable Recorded Investment 296 1
Financial Asset, Equal to or Greater than 90 Days Past Due | Total Loans    
Financing Receivable Recorded Investment 4,860 9,409
Financial Asset, Equal to or Greater than 90 Days Past Due | Consumer Loan    
Financing Receivable Recorded Investment 173 176
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Loan    
Financing Receivable Recorded Investment 225 1,902
Financial Asset, Equal to or Greater than 90 Days Past Due | Construction Loan Payable    
Financing Receivable Recorded Investment 0 0
Financial Asset, Equal to or Greater than 90 Days Past Due | Residential Real Estate    
Financing Receivable Recorded Investment 1,442 1,714
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Real Estate    
Financing Receivable Recorded Investment 3,020 5,617
Nonperforming Financial Instruments | Total Loans    
Financing Receivable Recorded Investment 9,553 11,610
Nonperforming Financial Instruments | Consumer Loan    
Financing Receivable Recorded Investment 784 350
Nonperforming Financial Instruments | Commercial Loan    
Financing Receivable Recorded Investment 732 2,351
Nonperforming Financial Instruments | Construction Loan Payable    
Financing Receivable Recorded Investment 0 0
Nonperforming Financial Instruments | Residential Real Estate    
Financing Receivable Recorded Investment 4,145 2,995
Nonperforming Financial Instruments | Commercial Real Estate    
Financing Receivable Recorded Investment 3,892 5,914
Financing Receivables Current | Total Loans    
Financing Receivable Recorded Investment 1,934,049 1,854,701
Financing Receivables Current | Consumer Loan    
Financing Receivable Recorded Investment 100,837 97,184
Financing Receivables Current | Commercial Loan    
Financing Receivable Recorded Investment 354,543 353,523
Financing Receivables Current | Construction Loan Payable    
Financing Receivable Recorded Investment 96,814 80,134
Financing Receivables Current | Residential Real Estate    
Financing Receivable Recorded Investment 535,271 488,997
Financing Receivables Current | Commercial Real Estate    
Financing Receivable Recorded Investment 846,584 834,863
Performing Financial Instruments | Total Loans    
Financing Receivable Recorded Investment 1,943,602 1,866,311
Performing Financial Instruments | Consumer Loan    
Financing Receivable Recorded Investment 101,621 97,534
Performing Financial Instruments | Commercial Loan    
Financing Receivable Recorded Investment 355,275 355,874
Performing Financial Instruments | Construction Loan Payable    
Financing Receivable Recorded Investment 96,814 80,134
Performing Financial Instruments | Residential Real Estate    
Financing Receivable Recorded Investment 539,416 491,992
Performing Financial Instruments | Commercial Real Estate    
Financing Receivable Recorded Investment 850,476 840,777
Financing Receivables Greater than 90 Days Past Due and Still Accruing | Total Loans    
Financing Receivable Recorded Investment 1 0
Financing Receivables Greater than 90 Days Past Due and Still Accruing | Consumer Loan    
Financing Receivable Recorded Investment 1 0
Financing Receivables Greater than 90 Days Past Due and Still Accruing | Commercial Loan    
Financing Receivable Recorded Investment 0 0
Financing Receivables Greater than 90 Days Past Due and Still Accruing | Construction Loan Payable    
Financing Receivable Recorded Investment 0 0
Financing Receivables Greater than 90 Days Past Due and Still Accruing | Residential Real Estate    
Financing Receivable Recorded Investment 0 0
Financing Receivables Greater than 90 Days Past Due and Still Accruing | Commercial Real Estate    
Financing Receivable Recorded Investment $ 0 $ 0
XML 109 R62.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Performing Loans Classified as Troubled Debt Restructuring Loans (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Performing Loans Classified as Troubled Debt Restructuring Loans

 

 

 

December 31, 2019

 

 

June 30, 2019

 

 

Number of

 

 

Recorded

 

 

Number of

 

 

Recorded

(dollars in thousands)

modifications

 

 

Investment

 

 

modifications

 

 

Investment

Residential real estate

 

9

 

$

967

 

 

10

 

$

1,130

Construction real estate

 

-

 

 

-

 

 

-

 

 

-

Commercial real estate

 

16

 

 

7,884

 

 

20

 

 

6,529

Consumer loans

 

-

 

 

-

 

 

-

 

 

-

Commercial loans

 

10

 

 

5,963

 

 

10

 

 

5,630

   Total

 

35

 

$

14,814

 

 

40

 

$

13,289

 
XML 110 R66.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
NOTE 6: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Calculated Amount of Right of Use Assets and Lease Liabilities

 

 

At or For the

 

 

Six Months Ended

(dollars in thousands)

 

December 31, 2019

Consolidated Balance Sheet

 

 

Operating leases right of use asset

$

1,988

Operating leases liability

$

1,988

 

 

 

Consolidated Statement of Income

 

 

Operating lease costs classified as occupancy and equipment expense

$

109

    (includes short-term lease costs)

 

 

 

 

 

Supplemental disclosures of cash flow information

 

 

Cash paid for amounts included in the measurement of lease liabilities:

 

 

    Operating cash flows from operating leases

$

78

ROU assets obtained in exchange for operating lease obligations:

$

2,004

 
XML 111 R96.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Schedule of Financing Receivables, Non Accrual Status (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Total Loans    
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest $ 10,419 $ 21,013
Consumer Loan    
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest 179 309
Commercial Loan    
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest 631 3,424
Construction Loan Payable    
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest 0 0
Residential Real Estate    
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest 4,397 6,404
Commercial Real Estate    
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest $ 5,212 $ 10,876
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Note 4: Loans and Allowance for Loan Losses: Commercial Business Lending (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Commercial Business Lending Commercial Business Lending. The Company’s commercial business lending activities encompass loans with a variety of purposes and security, including loans to finance accounts receivable, inventory, equipment and operating lines of credit, including agricultural production and equipment loans. The Company offers both fixed and adjustable rate commercial business loans. Generally, commercial loans secured by fixed assets are amortized over periods up to five years, while commercial operating lines of credit or agricultural production lines are generally for a one year period.
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Note 4: Loans and Allowance for Loan Losses: Residential Mortgage Lending (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Residential Mortgage Lending The Company also originates loans secured by multi-family residential properties that are often located outside the Company’s primary lending area but made to borrowers who operate within the Company’s primary market area.  The majority of the multi-family residential loans that are originated by the Bank are amortized over periods generally up to 25 years, with balloon maturities typically up to ten years. Both fixed and adjustable interest rates are offered and it is typical for the Company to include an interest rate “floor” and “ceiling” in the loan agreement. Generally, multi-family residential loans do not exceed 85% of the lower of the appraised value or purchase price of the secured property.
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Note 2: Organization and Summary of Significant Accounting Policies: New Accounting Pronouncements (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
New Accounting Pronouncements

The following paragraphs summarize the impact of new accounting pronouncements:

 

In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820) - Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. ASU 2018-13 modifies the disclosure requirements on fair value measurements in Topic 820. The amendments in this update remove disclosures that no longer are considered cost beneficial, modify/clarify the specific requirements of certain disclosures, and add disclosure requirements identified as relevant. ASU 2018-13 is effective for fiscal years beginning after December 15, 2019, with early adoption permitted for certain removed and modified disclosures, and is not expected to have a significant impact on our financial statements.

 

In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326).  The Update amends guidance on reporting credit losses for assets held at amortized cost basis and available for sale debt securities. For assets held at amortized cost basis, Topic 326 eliminates the probable initial recognition threshold in current GAAP and, instead, requires an entity to reflect its current estimate of all expected credit losses. The Update affects loans, debt securities, trade receivables, net investments in leases, off balance sheet credit exposures, and any other financial assets not excluded from the scope that have the contractual right to receive cash.  For public companies, the ASU is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years.  Early adoption is available beginning after December 15, 2018, including interim periods within those fiscal years. Adoption will be applied on a modified retrospective basis, through a cumulative-effect adjustment to retained earnings. The Company formed a working group of key personnel responsible for the allowance for loan losses estimate and initiated its evaluation of the data and systems requirements of adoption of the Update.  The group determined that purchasing third party software would be the most effective method to comply with the requirements, evaluated several outside vendors, and made a vendor recommendation that was approved by the Board.  Model validation and data testing using existing ALLL methodology have been completed. Parallel testing of the new methodology compared to the current methodology will be performed throughout fiscal year 2020 and the Company continues to evaluate the impact of adopting the new guidance.  We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, which for the Company will be the three-month period ending September 30, 2020, but cannot yet determine the overall impact of the new guidance on the Company’s consolidated financial statements, or the exact amount of any such one-time adjustment.    

 

In February 2016, the FASB issued ASU 2016-02, “Leases,” to revise the accounting related to lease accounting.  Under the new guidance, a lessee is required to record a right-of-use (ROU) asset and a lease liability on the balance sheet for all leases with terms longer than 12 months.   The Update was effective for the Company July 1, 2019.   Adoption of the standard allows the use of a modified retrospective transition approach for all periods presented at the time of adoption.  Based on the Company’s leases outstanding at December 31, 2019, which included five leased properties and numerous office equipment leases, the adoption of the new standard did not have a material impact on our consolidated statements of financial condition or our consolidated statements of income, although an increase to assets and liabilities occurred at the time of adoption.  In the first quarter of 2020, the Company recognized a ROU asset and corresponding lease liability for all leases of approximately $2.0 million based on the lease portfolio at that time.  The Company’s new leases, lease terminations, and lease modifications and renewals will impact the amount of ROU asset and corresponding lease liability recognized.  The Company’s leases are all currently “operating leases” as defined in the Update; therefore, no material change in the income statement presentation of lease expense is anticipated.

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Note 13: Business Combinations
 6 Months Ended
Dec. 31, 2019
Notes  
Note 13: Business Combinations

Note 13:  Business Combinations

 

On January 17, 2020 the Company announced the signing of an agreement and plan of merger whereby Central Federal Bancshares, Inc. (“Central”), and its wholly owned subsidiary, Central Federal Savings and Loan Association (“Central Federal”), will be acquired by the Company in an all-cash transaction valued at approximately $24.0 million. At September 30, 2019, Central held consolidated assets of $69 million, loans, net of allowance, of $53 million, and deposits of $46 million. The transaction is expected to close late in the second quarter of calendar year 2020, subject to satisfaction of customary closing conditions, including regulatory and Central shareholder approvals.  The acquired financial institution is expected to be merged with and into Southern Bank shortly after or simultaneously with the acquisition of Central.  Through December 31, 2019, the Company incurred $25,000 of third-party acquisition-related costs, included in noninterest expense in the Company’s consolidated statement of income for the three- and six- month periods ended December 31, 2019.

 
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Note 2: Organization and Summary of Significant Accounting Policies: Cash and Cash Equivalents, Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Cash and Cash Equivalents, Policy Cash and Cash Equivalents. For purposes of reporting cash flows, cash and cash equivalents includes cash, due from depository institutions and interest-bearing deposits in other depository institutions with original maturities of three months or less. Interest-bearing deposits in other depository institutions were $5.3 million and $6.9 million at December 31 and June 30, 2019, respectively. The deposits are held in various commercial banks in amounts not exceeding the FDIC’s deposit insurance limits, as well as at the Federal Reserve and the Federal Home Loan Bank of Des Moines and Chicago.
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Note 2: Organization and Summary of Significant Accounting Policies: Loans Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Loans Policy

Loans. Loans are generally stated at unpaid principal balances, less the allowance for loan losses, any net deferred loan origination fees, and unamortized premiums or discounts on purchased loans.

 

Interest on loans is accrued based upon the principal amount outstanding. The accrual of interest on loans is discontinued when, in management’s judgment, the collectability of interest or principal in the normal course of business is doubtful. The Company complies with regulatory guidance which indicates that loans should be placed in nonaccrual status when 90 days past due, unless the loan is both well-secured and in the process of collection. A loan that is “in the process of collection” may be subject to legal action or, in appropriate circumstances, through other collection efforts reasonably expected to result in repayment or restoration to current status in the near future. A loan is considered delinquent when a payment has not been made by the contractual due date. Interest income previously accrued but not collected at the date a loan is placed on nonaccrual status is reversed against interest income. Cash receipts on a nonaccrual loan are applied to principal and interest in accordance with its contractual terms unless full payment of principal is not expected, in which case cash receipts, whether designated as principal or interest, are applied as a reduction of the carrying value of the loan. A nonaccrual loan is generally returned to accrual status when principal and interest payments are current, full collectability of principal and interest is reasonably assured, and a consistent record of performance has been demonstrated.

 

The allowance for losses on loans represents management’s best estimate of losses probable in the existing loan portfolio. The allowance for losses on loans is increased by the provision for losses on loans charged to expense and reduced by loans charged off, net of recoveries. Loans are charged off in the period deemed uncollectible, based on management’s analysis of expected cash flows (for non-collateral dependent loans) or collateral value (for collateral-dependent loans). Subsequent recoveries of loans previously charged off, if any, are credited to the allowance when received. The provision for losses on loans is determined based on management’s assessment of several factors: reviews and evaluations of specific loans, changes in the nature and volume of the loan portfolio, current economic conditions and the related impact on specific borrowers and industry groups, historical loan loss experience, the level of classified and nonperforming loans and the results of regulatory examinations.

 

Loans are considered impaired if, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Depending on a particular loan’s circumstances, we measure impairment of a loan based upon either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s observable market price, or the fair value of the collateral less estimated costs to sell if the loan is collateral dependent. Valuation allowances are established for collateral-dependent impaired loans for the difference between the loan amount and fair value of collateral less estimated selling costs. For impaired loans that are not collateral dependent, a valuation allowance is established for the difference between the loan amount and the present value of expected future cash flows discounted at the historical effective interest rate or the observable market price of the loan. Impairment losses are recognized through an increase in the required allowance for loan losses. Cash receipts on loans deemed impaired are recorded based on the loan’s separate status as a nonaccrual loan or an accrual status loan.

 

Some loans are accounted for in accordance with ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality. For these loans (“purchased credit impaired loans”), the Company recorded a fair value discount and began carrying them at book value less their face amount (see Note 4). For these loans, we determined the contractual amount and timing of undiscounted principal and interest payments (the “undiscounted contractual cash flows”), and estimated the amount and timing of undiscounted expected principal and interest payments, including expected prepayments (the “undiscounted expected cash flows”). Under acquired impaired loan accounting, the difference between the undiscounted contractual cash flows and the undiscounted expected cash flows is the nonaccretable difference. The nonaccretable difference is an estimate of the loss exposure of principal and interest related to the purchased credit impaired loans, and the amount is subject to change over time based on the performance of the loans. The carrying value of purchased credit impaired loans is initially determined as the discounted expected cash flows. The excess of expected cash flows at acquisition over the initial fair value of the purchased credit impaired loans is referred to as the “accretable yield” and is recorded as interest income over the estimated life of the acquired loans using the level-yield method, if the timing and amount of the future cash flows is reasonably estimable. The carrying value of purchased credit impaired loans is reduced by payments received, both principal and interest, and increased by the portion of the accretable yield recognized as interest income. Subsequent to acquisition, the Company evaluates the purchased credit impaired loans on a quarterly basis. Increases in expected cash flows compared to those previously estimated increase the accretable yield and are

Loan fees and certain direct loan origination costs are deferred, and the net fee or cost is recognized as an adjustment to interest income using the interest method over the contractual life of the loans.
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Note 10: 401(k) Retirement Plan: 401(k) Retirement Plan (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Details        
Defined Contribution Plan, Administrative Expense $ 343 $ 293 $ 724 $ 634
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Note 9: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Details        
Current Income Tax Expense (Benefit) $ 1,915 $ 3,368 $ 3,884 $ 5,029
Deferred Income Taxes and Tax Credits 6 (1,566) 12 (1,560)
Income tax provision, total $ 1,921 $ 1,802 $ 3,896 $ 3,469
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Note 12: Fair Value Measurements: Gains (Losses) Recognized on Assets Measured on a Nonrecurring Basis (Details) - USD ($)
$ in Thousands
 3 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Foreclosed and repossessed assets held for sale    
Gains (losses) recognized on assets measured on a non-recurring basis $ (96) $ (222)
Total losses on assets measured on a non-recurring basis    
Gains (losses) recognized on assets measured on a non-recurring basis $ (96) $ (222)
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Condensed Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Assets    
Cash and cash equivalents $ 41,043 $ 35,400
Interest-bearing time deposits 972 969
Available for sale securities 175,843 165,535
Stock in FHLB of Des Moines 8,172 5,233
Stock in Federal Reserve Bank of St. Louis 4,350 4,350
Loans receivable, net of allowance for loan losses of $20,814 and $19,903 at December 31, 2019 and June 30, 2019, respectively 1,922,785 1,846,405
Accrued interest receivable 11,292 10,189
Premises and equipment, net 65,006 62,727
Bank owned life insurance - cash surrender value 38,847 38,337
Goodwill 14,089 14,089
Other intangible assets, net 8,334 9,239
Prepaid expenses and other assets 21,116 21,929
Total assets 2,311,849 2,214,402
Liabilities and Stockholders' Equity    
Deposits 1,914,614 1,893,695
Securities sold under agreements to repurchase 0 4,376
Advances from FHLB of Des Moines 114,646 44,908
Note payable 3,000 3,000
Accounts payable and other liabilities 13,702 12,889
Accrued interest payable 1,925 2,099
Subordinated debt 15,093 15,043
Total liabilities 2,062,980 1,976,010
Common stock, $.01 par value; 25,000,000 shares authorized; 9,328,184 and 9,324,659 shares issued, respectively, at December 31, 2019 and June 30, 2019 93 93
Additional paid-in capital 94,650 94,541
Retained earnings 156,459 143,677
Treasury stock of 121,401 and 35,351 shares at December 31, 2019 and June 30, 2019, respectively, at cost (3,980) (1,166)
Accumulated other comprehensive income (loss) 1,647 1,247
Total stockholders' equity 248,869 238,392
Total liabilities and stockholders' equity $ 2,311,849 $ 2,214,402
XML 123 R39.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Comprehensive Income, Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Comprehensive Income, Policy Comprehensive Income. Comprehensive income consists of net income and other comprehensive income (loss), net of applicable income taxes. Other comprehensive income includes unrealized appreciation on available-for-sale securities, unrealized appreciation (depreciation) on available-for-sale securities for which a portion of an other-than-temporary impairment has been recognized in income, and changes in the funded status of defined benefit pension plans.
XML 124 R6.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Condensed Consolidated Statements of Stockholders' Equity - USD ($)
$ in Thousands
Stockholders' Equity, Total
Common Stock
Additional Paid-in Capital
Retained Earnings
Treasury Stock
AOCI Attributable to Parent
Equity Balance at Jun. 30, 2018 $ 200,694 $ 90 $ 83,413 $ 119,536 $ 0 $ (2,345)
Net Income 14,254 0 0 14,254 0 0
Change in Unrealized Loss on Available for Sale Securities 537 0 0 0 0 537
Dividends paid on common stock [1] (2,339) 0 0 (2,339) 0 0
Stock option expense 18 0 18 0 0 0
Stock Grant Expense 108 0 108 0 0 0
Equity Balance at Dec. 31, 2018 224,029 93 94,293 131,451 0 (1,808)
Common stock issued, value 10,757 3 10,754 0 0 0
Equity Balance at Sep. 30, 2018 206,062 90 83,437 125,167 0 (2,632)
Net Income 7,454 0 0 7,454 0 0
Change in Unrealized Loss on Available for Sale Securities 824 0 0 0 0 824
Dividends paid on common stock [2] (1,170) 0 0 (1,170) 0 0
Stock option expense 9 0 9 0 0 0
Stock Grant Expense 93 0 93 0 0 0
Equity Balance at Dec. 31, 2018 224,029 93 94,293 131,451 0 (1,808)
Common stock issued, value 10,757 3 10,754 0 0 0
Equity Balance at Jun. 30, 2019 238,392 93 94,541 143,677 (1,166) 1,247
Net Income 15,545 0 0 15,545 0 0
Change in Unrealized Loss on Available for Sale Securities 400 0 0 0 0 400
Dividends paid on common stock [3] (2,763) 0 0 (2,763) 0 0
Stock option expense 31 0 31 0 0 0
Stock Grant Expense 46 0 46 0 0 0
Exercise of stock options 32 0 32 0 0 0
Equity Balance at Dec. 31, 2019 248,869 93 94,650 156,459 (3,980) 1,647
Equity Balance at Sep. 30, 2019 242,262 93 94,572 150,123 (3,980) 1,454
Net Income 7,717 0 0 7,717 0 0
Change in Unrealized Loss on Available for Sale Securities 193 0 0 0 0 193
Dividends paid on common stock [4] (1,381) 0 0 (1,381) 0 0
Stock option expense 14 0 14 0 0 0
Stock Grant Expense 32 0 32 0 0 0
Exercise of stock options 32 0 32 0 0 0
Equity Balance at Dec. 31, 2019 248,869 93 94,650 156,459 (3,980) 1,647
Treasury stock purchased $ (2,814) $ 0 $ 0 $ 0 $ (2,814) $ 0
[1] $.26 per share.
[2] $.13 per share.
[3] $.30 per share.
[4] $.15 per share.
XML 125 R35.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Share-based Compensation, Option and Incentive Plans Policy (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Share-based Compensation, Option and Incentive Plans Policy Incentive Plan. The Company accounts for its Management and Recognition Plan (MRP) and Equity Incentive Plan (EIP) in accordance with ASC 718, “Share-Based Payment.” Compensation expense is based on the market price of the Company’s stock on the date the shares are granted and is recorded over the vesting period. The difference between the grant date fair value and the fair value on the date the shares are considered earned represents a tax benefit to the Company that is recorded as an adjustment to income tax expense.
XML 126 R31.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 2: Organization and Summary of Significant Accounting Policies: Bank Owned Life Insurance (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Bank Owned Life Insurance

Bank Owned Life Insurance. Bank owned life insurance policies are reflected in the consolidated balance sheets at the estimated cash surrender value.  Changes in the cash surrender value of these policies, as well as a portion of the insurance proceeds received, are recorded in noninterest income in the consolidated statements of income.
XML 127 R109.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 8: Earnings Per Share (Details)
Dec. 31, 2019
Dec. 31, 2018
Details    
Options Outstanding With An Exercise Price In Excess of the Market Price 0 13,500
XML 128 R101.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
NOTE 6: Premises and Equipment: Lessee, Operating Lease, Disclosure (Details)
$ in Thousands
Dec. 31, 2019
USD ($)
Details  
Initial Leases and Lease Modifications and Renewals $ 437
Finance Lease, Right-of-Use Asset 1,600
Finance Lease, Liability $ 1,600
XML 129 R12.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 5: Accounting For Certain Loans Acquired in A Transfer
 6 Months Ended
Dec. 31, 2019
Notes  
Note 5: Accounting For Certain Loans Acquired in A Transfer

Note 5: Accounting for Certain Loans Acquired in a Transfer

 

During the fiscal years ended June 30, 2011, 2015, 2017, and 2019, the Company acquired certain loans which evidenced deterioration of credit quality since origination and for which it was probable, at acquisition, that all contractually required payments would not be collected.

 

Loans purchased with evidence of credit deterioration since origination and for which it is probable that all contractually required payments will not be collected are considered to be credit impaired. Evidence of credit quality deterioration as of the purchase date may include information such as past-due and nonaccrual status, borrower credit scores and recent loan to value percentages. Purchased credit-impaired loans are accounted for under the accounting guidance for loans and debt securities acquired with deteriorated credit quality (ASC 310-30) and initially measured at fair value, which includes estimated future credit losses expected to be incurred over the life of the loan. Accordingly, an allowance for credit losses related to these loans is not carried over and recorded at the acquisition date. Management estimated the cash flows expected to be collected at acquisition using the Bank’s internal risk models, which incorporate the estimate of current key assumptions, such as default rates, severity and prepayment speeds.

 

The carrying amount of those loans is included in the balance sheet amounts of loans receivable at December 31 and June 30, 2019. The amount of these loans is shown below:  

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Residential real estate

$

1,532

 

$

1,921

Construction real estate

 

1,340

 

 

1,397

Commercial real estate

 

19,733

 

 

24,669

Consumer loans

 

-

 

 

-

Commercial loans

 

7,349

 

 

8,381

     Outstanding balance

$

$29,954

 

$

$36,368

    Carrying amount, net of fair value adjustment of
    $5,844 and $7,821 at December 31, 2019 and  
    June 30, 2019, respectively   

$

$24,110

 

$

$28,547

 

 

Accretable yield, or income expected to be collected, is as follows:

 

 

For the three-month period ended

(dollars in thousands)

 

December 31, 2019

 

 

December 31, 2018

Balance at beginning of period

$

183

 

$

305

 Additions

 

-

 

 

102

 Accretion

 

(79)

 

 

(144)

 Reclassification from nonaccretable difference

 

83

 

 

108

 Disposals

 

-

 

 

-

Balance at end of period

$

187

 

$

371

 

 

For the six-month period ended

(dollars in thousands)

 

December 31, 2019

 

 

December 31, 2018

Balance at beginning of period

$

220

 

$

589

 Additions

 

-

 

 

102

 Accretion

 

(163)

 

 

(1,089)

 Reclassification from nonaccretable difference

 

130

 

 

973

 Disposals

 

-

 

 

(204)

Balance at end of period

$

187

 

$

371

 

 

During the three- and six- month periods ended December 31, 2019 and December 31, 2018, the Company did not increase or reverse the allowance for loan losses related to these purchased credit impaired loans.

 
XML 130 R105.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
NOTE 6: Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Details)
$ in Thousands
Dec. 31, 2019
USD ($)
Details  
Operating Leases, Future Minimum Payments, Remainder of Fiscal Year $ 77
Operating Leases, Future Minimum Payments Due, Next Twelve Months 269
Operating Leases, Future Minimum Payments, Due in Two Years 243
Operating Leases, Future Minimum Payments, Due in Three Years 243
Operating Leases, Future Minimum Payments, Due in Four Years 243
Operating Leases, Future Minimum Payments, Due in Five Years 243
Operating Leases, Future Minimum Payments, Due Thereafter 1,599
Operating Lease, Payments $ 2,917
XML 131 R16.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 9: Income Taxes
 6 Months Ended
Dec. 31, 2019
Notes  
Note 9: Income Taxes

Note 9: Income Taxes   

 

The Company and its subsidiary files income tax returns in the U.S. Federal jurisdiction and various states. The Company is no longer subject to federal and state examinations by tax authorities for tax years ending June 30, 2015 and before.  The Company recognized no interest or penalties related to income taxes.

 

The Company’s income tax provision is comprised of the following components:

 

 

For the three-month period ended

 

For the six-month periods ended

(dollars in thousands)

 

December 31, 2019

 

 

December 31, 2018

 

 

December 31, 2019

 

 

December 31, 2018

Income taxes

 

 

 

 

 

 

 

 

 

 

 

 Current

$

1,915

 

$

3,368

 

$

3,884

 

$

5,029

 Deferred

 

6

 

 

(1,566)

 

 

12

 

 

(1,560)

Total income tax provision

$

1,921

 

$

1,802

 

$

3,896

 

$

3,469

 

 

The components of net deferred tax assets are summarized as follows:

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Deferred tax assets:

 

 

 

 

 

 Provision for losses on loans

$

4,873

 

$

4,601

 Accrued compensation and benefits

 

567

 

 

692

 NOL carry forwards acquired

 

174

 

 

199

 Minimum Tax Credit

 

130

 

 

130

 Unrealized loss on other real estate

 

51

 

 

134

 Purchase accounting adjustments

 

-

 

 

255

 Losses and credits from LLC's

 

1,100

 

 

1,206

Total deferred tax assets

 

6,895

 

 

7,217

 

 

 

 

 

 

Deferred tax liabilities:

 

 

 

 

 

 Purchase accounting adjustments

 

164

 

 

-

 Depreciation

 

1,411

 

 

1,749

 FHLB stock dividends

 

120

 

 

120

 Prepaid expenses

 

238

 

 

313

 Unrealized gain on available for sale securities

 

477

 

 

364

 Other

 

-

 

 

61

Total deferred tax liabilities

 

2,410

 

 

2,607

 

 

 

 

 

 

     Net deferred tax asset

$

4,485

 

$

$4,610

 

 

As of December 31, 2019 the Company had approximately $963,000 and $1.7 million in federal and state net operating loss carryforwards, respectively, which were acquired in the July 2009 acquisition of Southern Bank of Commerce, the February 2014 acquisition of Citizens State Bankshares of Bald Knob, Inc., and the August 2014 acquisition of Peoples Service Company.  The amount reported is net of the IRC Sec. 382 limitation, or state equivalent, related to utilization of net operating loss carryforwards of acquired corporations. Unless otherwise utilized, the net operating losses will begin to expire in 2027.

 

A reconciliation of income tax expense at the statutory rate to the Company’s actual income tax is shown below:

 

 

For the three-month periods ended

 

For the six-month periods ended

(dollars in thousands)

December 31,

2019

 

December 31,

2018

 

December 31,

2019

 

December 31,

2018

Tax at statutory rate

$

2,024

 

$

1,944

 

$

$4,083

 

$

3,722

Increase (reduction) in taxes
 resulting from:

 

 

 

 

 

 

 

 

 

 

 

   Nontaxable municipal income

 

(113)

 

 

(77)

 

 

(226)

 

 

(149)

   State tax, net of Federal benefit

 

87

 

 

101

 

 

196

 

 

224

   Cash surrender value of
     Bank-owned life insurance

 

(53)

 

 

(125)

 

 

(106)

 

 

(176)

   Tax credit benefits

 

(4)

 

 

(68)

 

 

(6)

 

 

(136)

   Other, net

 

(20)

 

 

27

 

 

(45)

 

 

(16)

Actual provision

$

1,921

 

$

1,802

 

$

3,896

 

$

3,469

 

 

For the three- and six- month periods ended December 31, 2019 and December 31, 2018, income tax expense at the statutory rate was calculated using a 21% annual effective tax rate (AETR).  

 

Tax credit benefits are recognized under the deferral method of accounting for investments in tax credits.

 
XML 132 R87.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Construction Lending: Construction Loans Modified for other than TDR (Details) - Construction Loans
$ in Thousands
Dec. 31, 2019
USD ($)
Jun. 30, 2019
USD ($)
Number of Loans Modified for Other Than TDR 64 59
Amount of Loans Modified for Other Than TDR $ 30,000 $ 27,200
XML 133 R77.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 12: Fair Value Measurements: Schedule of Financial Instruments (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Financial Instruments

 

 

December 31, 2019

 

 

 

 

 

Quoted Prices

 

 

 

 

 

 

 

 

 

 

 

in Active

 

 

 

 

 

Significant

 

 

 

 

 

Markets for

 

 

Significant Other

 

 

Unobservable

 

 

Carrying

 

 

Identical Assets

 

 

Observable Inputs

 

 

Inputs

(dollars in thousands)

 

Amount

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

Financial assets

 

 

 

 

 

 

 

 

 

 

 

 Cash and cash equivalents

$

41,043

 

$

41,043

 

$

-

 

$

-

 Interest-bearing time deposits

 

972

 

 

-

 

 

972

 

 

-

 Stock in FHLB

 

8,172

 

 

-

 

 

8,172

 

 

-

 Stock in Federal Reserve Bank of St. Louis

 

4,350

 

 

-

 

 

4,350

 

 

-

 Loans receivable, net

 

1,922,785

 

 

-

 

 

-

 

 

1,921,273

 Accrued interest receivable

 

11,292

 

 

-

 

 

11,292

 

 

-

Financial liabilities

 

 

 

 

 

 

 

 

 

 

 

 Deposits

 

1,914,614

 

 

1,248,527

 

 

-

 

 

663,687

 Securities sold under agreements to
   repurchase

 

-

 

 

-

 

 

-

 

 

-

 Advances from FHLB

 

114,646

 

 

-

 

 

115,309

 

 

-

 Note payable

 

3,000

 

 

-

 

 

-

 

 

3,000

 Accrued interest payable

 

1,925

 

 

-

 

 

1,925

 

 

-

 Subordinated debt

 

15,093

 

 

-

 

 

-

 

 

14,579

Unrecognized financial instruments (net of

  contract amount)

 

 

 

 

 

 

 

 

 

 

 

 Commitments to originate loans

 

-

 

 

-

 

 

-

 

 

-

 Letters of credit

 

-

 

 

-

 

 

-

 

 

-

 Lines of credit

 

-

 

 

-

 

 

-

 

 

-

 

 

 

June 30, 2019

 

 

 

 

 

Quoted Prices

 

 

 

 

 

 

 

 

 

 

 

in Active

 

 

 

 

 

Significant

 

 

 

 

 

Markets for

 

 

Significant Other

 

 

Unobservable

 

 

Carrying

 

 

Identical Assets

 

 

Observable Inputs

 

 

Inputs

(dollars in thousands)

 

Amount

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

Financial assets

 

 

 

 

 

 

 

 

 

 

 

 Cash and cash equivalents

$

35,400

 

$

35,400

 

$

-

 

$

-

 Interest-bearing time deposits

 

969

 

 

-

 

 

969

 

 

-

 Stock in FHLB

 

5,233

 

 

-

 

 

5,233

 

 

-

 Stock in Federal Reserve Bank of St. Louis

 

4,350

 

 

-

 

 

4,350

 

 

-

 Loans receivable, net

 

1,846,405

 

 

-

 

 

-

 

 

1,823,040

 Accrued interest receivable

 

10,189

 

 

-

 

 

10,189

 

 

-

Financial liabilities

 

 

 

 

 

 

 

 

 

 

 

 Deposits

 

1,893,695

 

 

1,214,606

 

 

-

 

 

678,301

 Securities sold under agreements to
   repurchase

 

4,376

 

 

-

 

 

4,376

 

 

-

 Advances from FHLB

 

44,908

 

 

-

 

 

45,547

 

 

-

 Note payable

 

3,000

 

 

-

 

 

-

 

 

3,000

 Accrued interest payable

 

2,099

 

 

-

 

 

2,099

 

 

-

 Subordinated debt

 

15,043

 

 

-

 

 

-

 

 

15,267

Unrecognized financial instruments

   (net of contract amount)

 

 

 

 

 

 

 

 

 

 

 

 Commitments to originate loans

 

-

 

 

-

 

 

-

 

 

-

 Letters of credit

 

-

 

 

-

 

 

-

 

 

-

 Lines of credit

 

-

 

 

-

 

 

-

 

 

-

 
XML 134 R73.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 12: Fair Value Measurements: Fair Value, Assets Measured on Recurring Basis (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Fair Value, Assets Measured on Recurring Basis

 

 

Fair Value Measurements at December 31, 2019, Using:

 

 

 

 

 

Quoted Prices

in Active

Markets for

Identical

Assets

 

 

Significant

Other

Observable

Inputs

 

 

Significant

Unobservable

Inputs

(dollars in thousands)

 

Fair Value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

U.S. government sponsored enterprises (GSEs)

$

3,295

 

$

-

 

$

3,295

 

$

-

State and political subdivisions

 

42,238

 

 

-

 

 

42,238

 

 

-

Other securities

 

5,023

 

 

-

 

 

5,023

 

 

-

Mortgage-backed GSE residential

 

125,287

 

 

-

 

 

125,287

 

 

-

 

 

Fair Value Measurements at June 30, 2019, Using:

 

 

 

 

 

Quoted Prices

in Active

Markets for

Identical

Assets

 

 

Significant

Other

Observable

Inputs

 

 

Significant

Unobservable

Inputs

(dollars in thousands)

 

Fair Value

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

U.S. government sponsored enterprises (GSEs)

$

7,270

 

$

-

 

$

7,270

 

$

-

State and political subdivisions

 

42,783

 

 

-

 

 

42,783

 

 

-

Other securities

 

5,053

 

 

-

 

 

5,053

 

 

-

Mortgage-backed GSE residential

 

110,429

 

 

-

 

 

110,429

 

 

-

 
XML 135 R83.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 3: Securities: Repurchase Agreements, Collateral, Policy (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Assets Sold under Agreements to Repurchase, Carrying Amount $ 123,800 $ 143,700
U.S. Government and Federal Agency Obligations    
Assets Sold under Agreements to Repurchase, Carrying Amount 1,600 5,600
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises    
Assets Sold under Agreements to Repurchase, Carrying Amount 36,500 47,300
Collateralized Mortgage Obligations    
Assets Sold under Agreements to Repurchase, Carrying Amount 51,800 55,700
US States and Political Subdivisions Debt Securities    
Assets Sold under Agreements to Repurchase, Carrying Amount 33,800 34,900
Other securities    
Assets Sold under Agreements to Repurchase, Carrying Amount $ 200 $ 300
XML 136 R50.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
NOTE 6: Premises and Equipment: Lessee, Operating Lease, Disclosure (Policies)
 6 Months Ended
Dec. 31, 2019
Policies  
Lessee, Operating Lease, Disclosure

Leases.  The Company adopted ASU 2016-02, Leases (Topic 842), on July 1, 2019, using the modified retrospective transition approach whereby comparative periods were not restated.  The Company also elected certain relief options under the ASU, including the option not to recognize right of use (“ROU”) asset and lease liabilities that arise from short-term leases (leases with terms of twelve months or less).  The Company has five leased properties and numerous office equipment lease agreements in which it is the lessee, with lease terms exceeding twelve months.   

Adoption of this ASU resulted in the Company recognizing a ROU asset and corresponding lease liability of $437,000, while entry into a new operating lease agreement during the three-month period ended September 30, 2019, resulted in the recognition of a ROU asset and corresponding lease liability of $1.6 million.
XML 137 R54.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Schedule of Accounts, Notes, Loans and Financing Receivable (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Accounts, Notes, Loans and Financing Receivable

 

(dollars in thousands)

 

December 31, 2019

 

 

June 30, 2019

Real Estate Loans:

 

 

 

 

 

     Residential

$

539,416

 

$

491,992

     Construction

 

169,195

 

 

123,287

     Commercial

 

850,476

 

 

840,777

Consumer loans

 

101,621

 

 

97,534

Commercial loans

 

355,275

 

 

355,874

  

 

2,015,983

 

 

1,909,464

Loans in process

 

(72,381)

 

 

(43,153)

Deferred loan fees, net

 

(3)

 

 

(3)

Allowance for loan losses

 

(20,814)

 

 

(19,903)

     Total loans

$

1,922,785

 

$

1,846,405

 
XML 138 R58.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Note 4: Loans and Allowance for Loan Losses: Schedule of Impaired Loans (Tables)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Impaired Loans

 

 

December 31, 2019

 

 

Recorded

 

 

Unpaid Principal

 

 

Specific

(dollars in thousands)

 

Balance

 

 

Balance

 

 

Allowance

Loans without a specific valuation allowance:

 

 

 

 

 

 

 

 

 Residential real estate

$

4,086

 

$

4,322

 

$

-

 Construction real estate

 

1,295

 

 

1,340

 

 

-

 Commercial real estate

 

22,008

 

 

26,310

 

 

-

 Consumer loans

 

-

 

 

-

 

 

-

 Commercial loans

 

6,813

 

 

8,073

 

 

-

Loans with a specific valuation allowance:

 

 

 

 

 

 

 

 

 Residential real estate

$

-

 

$

-

 

$

-

 Construction real estate

 

-

 

 

-

 

 

-

 Commercial real estate

 

-

 

 

-

 

 

-

 Consumer loans

 

-

 

 

-

 

 

-

 Commercial loans

 

-

 

 

-

 

 

-

Total:

 

 

 

 

 

 

 

 

 Residential real estate

$

4,086

 

$

4,322

 

$

-

 Construction real estate

$

1,295

 

$

1,340

 

$

-

 Commercial real estate

$

22,008

 

$

26,310

 

$

-

 Consumer loans

$

-

 

$

-

 

$

-

 Commercial loans

$

6,813

 

$

8,073

 

$

-

 

 

June 30, 2019

 

 

Recorded

 

 

Unpaid Principal

 

 

Specific

(dollars in thousands)

 

Balance

 

 

Balance

 

 

Allowance

Loans without a specific valuation allowance:

 

 

 

 

 

 

 

 

 Residential real estate

$

5,104

 

$

5,341

 

$

-

 Construction real estate

 

1,330

 

 

1,419

 

 

-

 Commercial real estate

 

26,410

 

 

31,717

 

 

-

 Consumer loans

 

8

 

 

8

 

 

-

 Commercial loans

 

6,999

 

 

9,187

 

 

-

Loans with a specific valuation allowance:

 

 

 

 

 

 

 

 

 Residential real estate

$

-

 

$

-

 

$

-

 Construction real estate

 

-

 

 

-

 

 

-

 Commercial real estate

 

-

 

 

-

 

 

-

 Consumer loans

 

-

 

 

-

 

 

-

 Commercial loans

 

-

 

 

-

 

 

-

Total:

 

 

 

 

 

 

 

 

 Residential real estate

$

5,104

 

$

5,341

 

$

-

 Construction real estate

$

1,330

 

$

1,419

 

$

-

 Commercial real estate

$

26,410

 

$

31,717

 

$

-

 Consumer loans

$

8

 

$

8

 

$

-

 Commercial loans

$

6,999

 

$

9,187

 

$

-